145 Laurel Ln, Jefferson, NC 28640 Property Records

Ashe County property record for 145 Laurel Ln, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	2,101 sqft · built 2003
Lot Size	0.937 acres (40,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jan 2018)
Tax Bill	$4,336 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09263-001-654`

Property Details

APN / Parcel Number

Primary APN	`09263-001-654`
Alternative APNs	`092977790399` `102101`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Building Area	2,101 sqft Heated Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Lot Area	40,816 sqft (0.937 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	102101
Old Parcel Number	09263001654
Street Address	145 LAUREL LN
City	JEFFERSON
State	NC
Zip	28640-8729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.937 A LOT 18 1206-88-221
Legal Subdivision	WOODCROFT ESTATES
Legal Lot Number	18
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	1
Census Block	1014
Census Tract	970501

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	145 LAUREL LN, JEFFERSON, NC 28640-8729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Oct 1, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LIFESTORE BANK
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA
Jan 10, 2018	Warranty Deed, Transfer · Conventional Mortgage LIFESTORE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2018 · Amount on Record
Deed Sale	Jan 10, 2018 · Amount on Record
Deed Document Number	2018121
Deed Book / Page	487 / 1614
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	145 LAUREL LN, JEFFERSON, NC 28640-8729
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 LAUREL LN, JEFFERSON, NC 28640-8729

Mortgage

Document Number	00577/1833
Date	Sep 30, 2025
Book Page	577/1833
Instrument	4491

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2055

Interest

Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	145 LAUREL LN, JEFFERSON, NC 28640-8729
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 LAUREL LN, JEFFERSON, NC 28640-8729

Mortgage

Document Number	000533/170
Date	Oct 1, 2021
Book Page	533/170
Instrument	5904

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	145 LAUREL LN, JEFFERSON, NC 28640-8729
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000518/118
Date	Oct 9, 2020
Book Page	518/118
Instrument	5108

Lender

Name	LIFESTORE BANK
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	145 LAUREL LN, JEFFERSON, NC 28640-8729
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 LAUREL LN, JEFFERSON, NC 28640-8729

Mortgage

Document Number	000553/351
Date	Jun 8, 2023
Book Page	553/351
Instrument	2391

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 25, 2053

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jan 10, 2018
Property Address	145 LAUREL LN, JEFFERSON, NC 28640-8729
Document Number	00487/1614
Book / Page	0487 / 1614
Map Reference	PL 5 PG 67
Instrument Date	Jan 2, 2018
Instrument	00121
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2253 GRASSY CREEK RD, GRASSY CREEK, NC 28631-9152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 LAUREL LN, JEFFERSON, NC 28640-8729

Mortgage

Document Number	00487/1617
Date	Jan 10, 2018
Book Page	0487/1617
Instrument	00122

Lender

Name	LIFESTORE BANK
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$4,336.00 (+5.73%)	$532,700 (-) Land $35,000 Building $497,700	$532,700 (-) Land $35,000 Building $497,700
2025	$4,101.00 (+4.75%)	$532,700 (-) Land $35,000 Building $497,700	$532,700 (-) Land $35,000 Building $497,700
2023	$3,915.00 (+19.69%)	$532,700 (+58.73%) Land $35,000 Building $497,700	$532,700 (+58.73%) Land $35,000 Building $497,700
2022	$3,271.00	$335,600 Land $40,000 Building $295,600	$335,600 Land $40,000 Building $295,600

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	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: Brightspeed.

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