176 E Creekside Trl, Jefferson, NC 28640 Property Records

Ashe County property record for 176 E Creekside Trl, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	3,024 sqft · built 2007
Lot Size	0.535 acres (23,305 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Nov 2020)
Tax Bill	$2,619 (2025)
Deeds & Mortgages	Dec 2023 Sale Jan 2020 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09302-212-013`

Property Details

APN / Parcel Number

Primary APN	`09302-212-013`
Alternative APNs	`107286` `115974`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	3,024 sqft Heated Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Lot Area	23,305 sqft (0.535 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	115974
Street Address	176 E CREEKSIDE TRL
City	JEFFERSON
State	NC
Zip	28640-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.535A (LOT 13)
Legal Subdivision	EAST CREEKSIDE
Legal Lot Number	13
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3019
Census Tract	970501

Owner

Source: Ashe County records, as of May 14, 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	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Warranty Deed, Transfer
Jan 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION
Oct 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HIGHLANDS UNION BANK
Jan 24, 2020	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 13, 2018	Warranty Deed, Transfer · ARM HIGHLANDS UNION BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Aug 13, 2018 · Amount on Record
Deed Document Number	20206176
Deed Book / Page	520 / 405
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Dec 28, 2023
Property Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Document Number	00559/1112
Book / Page	559 / 1112
Map Reference	MB 5 PG 597
Instrument Date	Dec 28, 2023
Instrument	5821
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount Recorded
Tax	$1,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00508/2133
Date	Jan 24, 2020
Book Page	508/2133
Instrument	340

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000505/608
Date	Oct 2, 2019
Book Page	505/608
Instrument	4417

Lender

Name	HIGHLANDS UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00508/2115
Date	Jan 24, 2020
Book Page	508/2115
Instrument	339

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.3%
Type Change Date	Jan 17, 2025
Index	5-Year CMT

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Nov 24, 2020
Property Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Document Number	000520/405
Book / Page	520 / 405
Map Reference	MB 5 PG 597
Instrument Date	Nov 20, 2020
Instrument	6176
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 LAKEVIEW PL, JEFFERSON, NC 28640-9483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501

Mortgage

Document Number	0000006177
Date	Nov 24, 2020
Instrument	6177

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2025
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Aug 13, 2018
Property Address	176 E CREEKSIDE TRL, JEFFERSON, NC 28640-8501
Document Number	00493/1516
Book / Page	493 / 1516
Instrument Date	Aug 8, 2018
Instrument	000000003587
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1861, WEST JEFFERSON, NC 28694-1861

Mortgage

Document Number	0000000493/0000001519
Date	Aug 13, 2018
Book Page	0000000493/0000001519
Instrument	000000003588

Lender

Name	HIGHLANDS UNION BK

Agreement

Type	ARM
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Sep 1, 2028
Index	10-Year CMTI

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,619.00 (+6.2%)	$520,800 (-) Land $40,000 Building $480,800	$520,800 (-) Land $40,000 Building $480,800
2023	$2,466.00 (+25.69%)	$520,800 (+55.23%) Land $40,000 Building $480,800	$520,800 (+55.23%) Land $40,000 Building $480,800
2022	$1,962.00	$335,500 Land $40,000 Building $295,500	$335,500 Land $40,000 Building $295,500

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	4 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	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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