Watauga County property record for 869 Georges Gap Rd, Vilas, NC 28692
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,908 sqft · built 1903 |
| Lot Size | 17 acres (742,698 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Oct 2005) |
| Tax Bill | $1,719 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1972-67-1442-000 |
| Primary APN | 1972-67-1442-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,908 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Metal |
| Lot Area | 742,698 sqft (17 acres) |
| Garage Type | Detached |
| Garage Area | 1,064 sqft |
| Porch | Porch |
| Porch Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Account Number | 1754360 |
|---|---|
| Street Address | 869 GEORGES GAP RD |
| City | VILAS |
| State | NC |
| Zip | 28692-9332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GEORGES GAP RD |
| Jurisdiction | WATAUGA NC |
| Township / Civil Division | COVE CREEK |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 920200 |
869 Georges Gap Rd is owned and occupied by an individual who bought it in October 2005.
Source: Watauga County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 869 GEORGES GAP RD, VILAS, NC 28692-9332 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2005 · Amount on File |
| Deed Sale | Oct 7, 2005 · Amount on File |
| Deed Document Number | 2005146080 |
| Deed Book / Page | 1125 / 811 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 869 GEORGES GAP RD, VILAS, NC 28692-9332 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0023310122 |
|---|---|
| Date | May 5, 2023 |
| Book Page | 2331/122 |
| Instrument | 730702 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | BOONE, NC 28607 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WATAUGA NC |
| Property Address | 869 GEORGES GAP RD, VILAS, NC 28692-9332 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0021880864 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 2188/864 |
| Instrument | 705978 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 869 Georges Gap Rd was $1,719.
Source: Watauga County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Watauga County |
| Unified School District | Watauga County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $436,000 (-) Land $121,400 Building $314,600 | ||
| 2025 | $1,719.00 | $436,000 Land $121,400 Building $314,600 | |
| 2024 | $443,600 Land $127,500 Building $316,100 | ||
| 2023 | $468,000 Land $127,500 Building $340,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 869 Georges Gap Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.
Source: FEMA National Flood Hazard Layer, effective May 17, 2024 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 9 (1990–2024) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 869 Georges Gap Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 72% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 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 |
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