895 Rainbow Mountain Rd, Boone, NC 28607 Property Records

Watauga County property record for 895 Rainbow Mountain Rd, Boone, NC 28607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,071 sqft · built 1973
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Tax Bill	$1,408 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2809-87-3833-000`

Property Details

APN / Parcel Number

Primary APN	`2809-87-3833-000`
Alternative APNs	`1784644` `1818626`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,071 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Porch	Porch
Porch Area	121 sqft
Patio Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	1818626
Street Address	895 RAINBOW MOUNTAIN RD
City	BOONE
State	NC
Zip	28607-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E2RA
Legal Description	LOT 93 RAINBOW MTN, PLAT 7/19
Legal Subdivision	RAINBOW MTN
Legal Lot Number	93
Jurisdiction	WATAUGA NC
Township / Civil Division	NEW RIVER
Census Block Group	1
Census Block	1023
Census Tract	920602

Owner

Source: Watauga County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	895 RAINBOW MOUNTAIN RD, BOONE, NC 28607-6835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 9, 2018	Warranty Deed, Transfer · ARM HIGHLANDS UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WATAUGA NC
Recording Date	Mar 15, 2022
Property Address	895 RAINBOW MOUNTAIN RD, BOONE, NC 28607-6835
Document Number	0022620061
Book / Page	2262 / 61
Map Reference	MB 7 PG 19
Instrument Date	Mar 11, 2022
Instrument	718100
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	895 RAINBOW MOUNTAIN RD, 895, BOONE, NC 28607-6835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 RAINBOW MOUNTAIN RD, BOONE, NC 28607-6835

Mortgage

Document Number	0000718101
Date	Mar 15, 2022
Instrument	718101

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATAUGA NC
Recording Date	Aug 9, 2018
Property Address	895 RAINBOW MOUNTAIN RD, BOONE, NC 28607-6835
Document Number	0019860349
Book / Page	1986 / 0349
Map Reference	MB7 PG19
Instrument Date	Aug 9, 2018
Instrument	671211
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$612.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5062 ABERNETHY PARK DR, 5062, HICKORY, NC 28602-7234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 RAINBOW MOUNTAIN RD, BOONE, NC 28607-6835

Mortgage

Document Number	671212
Date	Aug 9, 2018
Instrument	671212

Lender

Name	HIGHLANDS UNION BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

Source: Watauga County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Watauga County
Unified School District	Watauga County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$342,100 (-) Land $17,700 Building $324,400
2025	$1,408.00	$342,100 (-) Land $17,700 Building $324,400
2024			$342,100 Land $17,700 Building $324,400
2023		$342,100 Land $17,700 Building $324,400

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 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
Flood Insurance Cost	Premium on Record median of 23 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	31 units insured incl. 8 condo units
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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