1257 Rustic Rd, West Jefferson, NC 28694 Property Records

Ashe County property record for 1257 Rustic Rd, West Jefferson, NC 28694 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2,090 sqft · built 2004
Lot Size	2.61 acres (113,909 sqft)
Owner	Individual Name on File
Tax Bill	$2,795 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12310-017-034`

Property Details

APN / Parcel Number

Primary APN	`12310-017-034`
Alternative APN	`18832`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	2,090 sqft Heated Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Lot Area	113,909 sqft (2.61 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	18832
Street Address	1257 RUSTIC RD
City	WEST JEFFERSON
State	NC
Zip	28694-8299
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.615 A LOT 34 FROM EUGENE R RILEY OFF 1181 (PRIVA
Legal Subdivision	RIVER BEND ESTATES
Legal Lot Number	34
Jurisdiction	ASHE NC
Township / Civil Division	OBIDS
Census Block Group	2
Census Block	2006
Census Tract	970702

Owner

Source: Ashe County records · APN 12310-017-034

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	PO BOX 1845, WEST JEFFERSON, NC 28694-1845
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
May 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	1257 RUSTIC RD, WEST JEFFERSON, NC 28694-8299
Transaction Type	Mortgage
Record Updated	Nov 03, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1845, WEST JEFFERSON, NC 28694-1845

Mortgage

Document Number	000578/801
Date	Oct 15, 2025
Book Page	578/801
Instrument	4792

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	1488 MOUNT JEFFERSON RD, WEST JEFFERSON, NC 28694

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 06, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	1257 RUSTIC RD, WEST JEFFERSON, NC 28694-8299
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1257 RUSTIC RD, WEST JEFFERSON, NC 28694-8299

Mortgage

Document Number	00528/1631
Date	Jun 17, 2021
Book Page	528/1631
Instrument	3543

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	1257 RUSTIC RD, WEST JEFFERSON, NC 28694-8299
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00541/1064
Date	May 10, 2022
Book Page	541/1064
Instrument	2548

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jun 01, 2027

Tax Assessment & Valuation

Source: Ashe County records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,795.00 (+8.29%)	$533,400 (-) Land $55,000 Building $478,400	$533,400 (-) Land $55,000 Building $478,400
2023	$2,581.00 (+28.15%)	$533,400 (+54.47%) Land $55,000 Building $478,400	$533,400 (+54.47%) Land $55,000 Building $478,400
2022	$2,014.00	$345,300 Land $60,000 Building $285,300	$345,300 Land $60,000 Building $285,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ashe County (37009C), updated June 2, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370099707022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024, other causes, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 4 claims

Wildfire

Wildfire Risk	Low above 32% of the US · above 43% of North Carolina
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Loretto Telephone Company	Fiber	2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

No mobile data coverage reported

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