314 Sandy Flats Dr, Jefferson, NC 28640 Property Records

Ashe County property record for 314 Sandy Flats Dr, Jefferson, NC 28640

Property Summary

Property Type	Mobile Home
Details	1,584 sqft · built 2003
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2023)
Tax Bill	$701 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12342-148-006A`

Property Details

APN / Parcel Number

Primary APN	`12342-148-006A`
Alternative APNs	`122995873317` `115447` `28168`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	1,584 sqft Heated Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Mobile Home
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Account Number	115447
Old Parcel Number	12342148006A
Street Address	314 SANDY FLATS DR
City	JEFFERSON
State	NC
Zip	28640-8938
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	PT LOT 6 (.5 A) OFF OLD WILKESBORO RD
Legal Subdivision	SANDY FLATS SUBDIVISION
Legal Lot Number	6
Jurisdiction	ASHE NC
Township / Civil Division	OBIDS
Census Block Group	3
Census Block	3030
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	314 SANDY FLATS DR, JEFFERSON, NC 28640-8938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Mar 25, 2010
Deed Document Number	20234422
Deed Book / Page	556 / 2165
Prior Transfer Date	Mar 23, 2010
Prior Transfer Doc	00407/0217
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	314 SANDY FLATS DR, JEFFERSON, NC 28640-8938
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 SANDY FLATS DR, JEFFERSON, NC 28640-8938

Mortgage

Document Number	00579/1910
Date	Nov 21, 2025
Book Page	579/1910
Instrument	5508

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Sep 29, 2023
Property Address	314 SANDY FLATS DR, JEFFERSON, NC 28640-8938
Document Number	00556/2165
Book / Page	556 / 2165
Map Reference	MB 5 PG 344
Instrument Date	Sep 28, 2023
Instrument	4422
Transaction Type	Transfer
Record Updated	Oct 19, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2536 ALLGOOD RD, YADKINVILLE, NC 27055-6656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 SANDY FLATS DR, JEFFERSON, NC 28640-8938

Mortgage

Document Number	0000004423
Date	Sep 29, 2023
Instrument	4423

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.77%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.77%
Max Rate At Change	8.77%
Index	5-Year TN
Max Rate	12.7%

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	$701.00	$131,400 (-) Land $15,000 Building $116,400	$131,400 (-) Land $15,000 Building $116,400
2025	$701.00 (+4.47%)	$131,400 (+0.61%) Land $15,000 Building $116,400	$131,400 (+0.61%) Land $15,000 Building $116,400
2023	$671.00 (+8.58%)	$130,600 (+61.83%) Land $15,000 Building $115,600	$130,600 (+61.83%) Land $15,000 Building $115,600
2022	$618.00	$80,700 Land $15,000 Building $65,700	$80,700 Land $15,000 Building $65,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 55 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 only, no 5G reported

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