803 Rough Ridge Rd, Sugar Mountain (Banner Elk), NC 28604 Property Records

Avery County property record for 803 Rough Ridge Rd, Sugar Mountain, NC 28604

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,223 sqft · built 2005
Owner	2 Company Names on File
Tax Bill	$4,072 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74593`

Property Details

APN / Parcel Number

Primary APN	`74593`
Alternative APN	`18570004129600000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,223 sqft Heated Area
Basement Area	1,109 sqft
Finished Basement	1,109 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Wood Shingle
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal

Exterior Amenities

Porch	Open Porch
Porch Area	576 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	74593
Street Address	803 ROUGH RIDGE RD
City	SUGAR MOUNTAIN
State	NC
Zip	28604-7138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SM CLOUD SPRING LOT 35 0005 123-128
Legal Subdivision	SM CLOUD SPRING
Legal Lot Number	35 5
Jurisdiction	AVERY NC
Township / Civil Division	BANNER ELK
Census Block Group	1
Census Block	1040
Census Tract	930200

Owner

Source: Avery County records, as of December 3, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	3267 OLD BARN RD W, PONTE VEDRA BEACH, FL 32082-3718
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 13, 2020	Warranty Deed, Transfer UNITED WHOLESALE MTG
Feb 7, 2018	Trustee's Deed, Construction Loan · Construction Mortgage JAMES R JR UPCHURCH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020
Deed Sale	Dec 18, 2020
Prior Sale	Nov 13, 2020 · Amount on File
Deed Document Number	0000554112
Deed Book / Page	552 / 796
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AVERY NC
Property Address	803 ROUGH RIDGE RD, SUGAR MOUNTAIN, NC 28604-7138
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000810
Date	Mar 1, 2023
Book Page	586/902
Instrument	2023000810

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 4, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AVERY NC
Recording Date	Nov 13, 2020
Property Address	803 ROUGH RIDGE RD, SUGAR MOUNTAIN, NC 28604-7138
Document Number	0005520796
Book / Page	000552 / 000796
Instrument Date	Nov 5, 2020
Instrument	6540
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3267 OLD BARN RD W PONTE VEDRA BEACH FL 320823718, PONTE VEDRA BEACH, FL 32082-3718

Mortgage

Document Number	5520799
Date	Nov 13, 2020
Book Page	000552/000799
Instrument	6541

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2050

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	AVERY NC
Recording Date	Feb 7, 2018
Property Address	803 ROUGH RIDGE RD, SUGAR MOUNTAIN, NC 28604-7138
Document Number	0005161647
Book / Page	000516 / 001647
Instrument Date	Dec 18, 2017
Instrument	575
Transaction Type	Construction Loan
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	5161647
Date	Feb 7, 2018
Book Page	000516/001647
Instrument	575

Lender

Name	JAMES R JR UPCHURCH
Address	1439 SW 26TH AVE # 3RD, POMPANO BEACH, FL 33069-4315

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 6, 2019

Tax Assessment & Valuation

Source: Avery County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Avery County
Municipality	Sugar Mountain Village
Unified School District	Avery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,072.00 (+102.69%)	$598,900 (+19.23%) Land $17,000 Building $581,900	$598,900 (+19.23%) Land $17,000 Building $581,900
2023	$2,009.00	$502,300 (-) Land $17,000 Building $485,300	$502,300 (-) Land $17,000 Building $485,300
2022	$2,009.00	$502,300 Land $17,000 Building $485,300	$502,300 Land $17,000 Building $485,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 9, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	16 (1997–2024)
Claims Outside the SFHA	13 of 16
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Tropical Storm Frances, Sep 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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