125 Oak St, Jefferson, NC 28640 Property Records

Ashe County property record for 125 Oak St, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	1,352 sqft · built 1984
Lot Size	0.396 acres (17,250 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jun 2021)
Tax Bill	$1,525 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09263-001-574`

Property Details

APN / Parcel Number

Primary APN	`09263-001-574`
Alternative APNs	`092968931340` `110064`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,352 sqft Heated Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Foyer
Lot Area	17,250 sqft (0.396 acres)
Lot Dimensions	140 ft deep x 115 ft wide

Location & Zoning

Account Number	110064
Old Parcel Number	09263001574
Street Address	125 OAK ST
City	JEFFERSON
State	NC
Zip	28640-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 (.396 A) FROM CLAUDE E SMALL JR MILLER ST
Legal Subdivision	CLAUDE E SMALL JR PROPERTY
Legal Lot Number	2
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	2
Census Block	2007
Census Tract	970502

Owner

125 Oak St is owned and occupied by an individual who acquired it in June 2026.

Source: Ashe County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	125 OAK ST, JEFFERSON, NC 28640-9700
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Correction Deed, Transfer · Conventional Mortgage LIFESTORE BANK
Jun 29, 2021	Warranty Deed, Transfer · Seller Carry-Back KEVIN RICHARDSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Deed Document Number	20213774
Deed Book / Page	529 / 234
Last Transfer Date	Jun 23, 2026
Transfer Doc	0000002954
Record Updated	Oct 29, 2026

June 2026: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ASHE NC
Recording Date	Jun 29, 2026
Property Address	125 OAK ST, JEFFERSON, NC 28640-9700
Document Number	0000002954
Book / Page	586 / 1018
Instrument Date	Jun 23, 2026
Instrument	20262954
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 OAK ST, JEFFERSON, NC 28640-9700

Mortgage

Document Number	0000002955,
Date	Jun 29, 2026
Book Page	586/1021
Instrument	20262955

Lender

Name	LIFESTORE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jun 29, 2021
Property Address	125 OAK ST, JEFFERSON, NC 28640-9700
Document Number	000529/234
Book / Page	529 / 234
Map Reference	MB 486 PG 1164
Instrument Date	Jun 29, 2021
Instrument	3774
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	152 ELLIOTT RD, WEST JEFFERSON, NC 28694-8189

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 OAK ST, JEFFERSON, NC 28640-9700
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003775
Date	Jun 29, 2021
Instrument	3775

Lender

Name	KEVIN RICHARDSON
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 125 Oak St was $1,525, up 5.8% from the year before.

Source: Ashe County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Ashe County
Municipality	Jefferson Town
Unified School District	Ashe County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,525.00 (+5.76%)	$187,400 (-) Land $25,000 Building $162,400	$187,400 (-) Land $25,000 Building $162,400
2025	$1,442.00	$187,400 Land $25,000 Building $162,400	$187,400 Land $25,000 Building $162,400
2023	$1,377.00 (+18.71%)	$187,400 (+72.4%) Land $25,000 Building $162,400	$187,400 (+72.4%) Land $25,000 Building $162,400
2022	$1,160.00	$108,700 Land $10,000 Building $98,700	$108,700 Land $10,000 Building $98,700

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

Flood

FEMA maps place 125 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective June 2, 2017 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	May 2024 · river or lake flooding

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

Wildfire risk around 125 Oak St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF JEFFERSON serves 1,740 people · EPA ID NC0105015
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Optimum Cable	940 / 35

May also be available: Brightspeed.

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