138 Oak St, Jefferson, NC 28640 Property Records

Ashe County property record for 138 Oak St, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	1,606 sqft · built 1985
Lot Size	0.407 acres (17,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jul 2026)
Tax Bill	$1,566 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09263-001-012`

Property Details

APN / Parcel Number

Primary APN	`09263-001-012`
Alternative APNs	`092968932498` `96905`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	1,606 sqft Heated Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Lot Area	17,729 sqft (0.407 acres)
Lot Dimensions	140 ft deep x 100 ft wide

Location & Zoning

Account Number	96905
Old Parcel Number	09263001012
Street Address	138 OAK ST
City	JEFFERSON
State	NC
Zip	28640-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 (.407 A) FROM ROBERT BARE MILLER ST (PRIVATE
Legal Lot Number	4
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	2
Census Block	2009
Census Tract	970502

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	138 OAK ST, JEFFERSON, NC 28640-9700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Oct 4, 2017	Warranty Deed, Transfer · Conventional Mortgage LIFESTORE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Oct 4, 2017 · Amount on Record
Deed Document Number	20263207
Deed Book / Page	586 / 2224
Prior Transfer Date	Jan 9, 2008
Prior Transfer Doc	00377/0235
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 13, 2026
Property Address	138 OAK ST, JEFFERSON, NC 28640-9700
Document Number	0000003207
Book / Page	586 / 2224
Instrument Date	Jul 10, 2026
Instrument	20263207
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 OAK ST, JEFFERSON, NC 28640-9700

Mortgage

Document Number	0000003208,
Date	Jul 13, 2026
Instrument	20263208

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Oct 4, 2017
Property Address	138 OAK ST, JEFFERSON, NC 28640-9700
Document Number	00484/2176
Book / Page	0484 / 2176
Map Reference	PL 4 PG 324A
Instrument Date	Sep 25, 2017
Instrument	04406
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 CHASE LN, ROCKY POINT, NC 28457-3302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 OAK ST, JEFFERSON, NC 28640-9700

Mortgage

Document Number	00484/2179
Date	Oct 4, 2017
Book Page	0484/2179
Instrument	04407

Lender

Name	LIFESTORE BANK
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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	$1,566.00 (+5.67%)	$192,500 (-) Land $25,000 Building $167,500	$192,500 (-) Land $25,000 Building $167,500
2025	$1,482.00 (+4.81%)	$192,500 (-) Land $25,000 Building $167,500	$192,500 (-) Land $25,000 Building $167,500
2023	$1,414.00 (+19.73%)	$192,500 (+73.58%) Land $25,000 Building $167,500	$192,500 (+73.58%) Land $25,000 Building $167,500
2022	$1,181.00	$110,900 Land $10,000 Building $100,900	$110,900 Land $10,000 Building $100,900

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 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

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures