260 Oak Tree Ln, Jefferson, NC 28640 Property Records

Ashe County property record for 260 Oak Tree Ln, Jefferson, NC 28640

Property Summary

Property Type	Manufactured or Modular Home
Details	1,728 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$1,505 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12379-013-043`

Property Details

APN / Parcel Number

Primary APN	`12379-013-043`
Alternative APNs	`123905390168` `7017`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,728 sqft Heated Area
Gross Area	3,456 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2015
Architectural Style	Modular
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	7017
Old Parcel Number	12379013043
Street Address	260 OAK TREE LN
City	JEFFERSON
State	NC
Zip	28640-9832
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	1 LOT 48 SPLIT FROM 379013-015 OFF PARKWAY (DIRT)
Legal Subdivision	CHERRY HILL DEVELOPMENT
Legal Lot Number	48
Jurisdiction	ASHE NC
Township / Civil Division	OBIDS
Census Block Group	3
Census Block	3044
Census Tract	970801

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	Individual Name on Record
Mailing Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · VA Mortgage MILESTONE MORTGAGE SOLUTIONS
Nov 18, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2023	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
May 17, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 23, 2023	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Recording Date	Aug 20, 2026
Property Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832
Document Number	0000003884
Book / Page	588 / 395
Instrument Date	Aug 15, 2026
Instrument	20263884
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE ESCROW, TRUSTPRO TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832

Mortgage

Document Number	0000003884,
Date	Aug 20, 2026
Book Page	588/395
Instrument	20263884

Lender

Name	MILESTONE MORTGAGE SOLUTIONS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	UNKNOWN, TRUE CONCEPT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832

Mortgage

Document Number	00579/1465
Date	Nov 18, 2025
Book Page	579/1465
Instrument	5440

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000557/422
Date	Oct 9, 2023
Book Page	557/422
Instrument	4564

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	PALO VERDE, CA 92266

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	MADISON SETTLEMENTS, MADISON SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000527/448
Date	May 17, 2021
Book Page	527/448
Instrument	2813

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 OAK TREE LN, JEFFERSON, NC 28640-9832

Mortgage

Document Number	000549/924
Date	Jan 23, 2023
Book Page	549/924
Instrument	237

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of September 3, 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
2026	$1,505.00	$326,900 (-) Land $20,000 Building $306,900	$326,900 (-) Land $20,000 Building $306,900
2025	$1,505.00 (+8.51%)	$326,900 (+3.81%) Land $20,000 Building $306,900	$326,900 (+3.81%) Land $20,000 Building $306,900
2023	$1,387.00 (+37.33%)	$314,900 (+62.91%) Land $20,000 Building $294,900	$314,900 (+62.91%) Land $20,000 Building $294,900
2022	$1,010.00	$193,300 Land $20,000 Building $173,300	$193,300 Land $20,000 Building $173,300

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	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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