320 N Main St, Jefferson, NC 28640 Property Records

Ashe County property record for 320 N Main St, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	1,554 sqft · built 1979
Lot Size	0.48 acres (20,873 sqft)
Owner	Individual Name on Record
Last Sale	$274,000 (Aug 2023)
Tax Bill	$1,909 (2026)
Deeds & Mortgages	Aug 2023 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09263-001-182`

Property Details

APN / Parcel Number

Primary APN	`09263-001-182`
Alternative APNs	`092978225752` `110199` `115093`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Building Area	1,554 sqft Heated Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Conventional
Lot Area	20,873 sqft (0.48 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	115093
Old Parcel Number	09263001182
Street Address	320 N MAIN ST
City	JEFFERSON
State	NC
Zip	28640-9665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 27-31 FROM C W & AMP; ELLA HAM RT 1573 (RURAL
Legal Subdivision	THOMAS SUBDIVISION
Legal Lot Number	27-31
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3025
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	Individual Name on Record
Mailing Address	320 N MAIN ST, JEFFERSON, NC 28640-9665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Warranty Deed, Transfer
Oct 5, 2021	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jul 9, 2020	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS LLC
May 4, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	Oct 5, 2021 · Amount on Record
Deed Document Number	20233496
Deed Book / Page	555 / 270
Prior Transfer Date	Aug 20, 2013
Prior Transfer Doc	00444/0190
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Aug 10, 2023
Property Address	320 N MAIN ST, JEFFERSON, NC 28640-9665
Document Number	000555/270
Book / Page	555 / 270
Map Reference	MB 1 PG 69
Instrument Date	Aug 10, 2022
Instrument	3496
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Amount	Amount Recorded
Tax	$548.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 N MAIN ST, JEFFERSON, NC 28640-9665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 285, WEST JEFFERSON, NC 28694-0285

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Oct 5, 2021
Property Address	320 N MAIN ST, JEFFERSON, NC 28640-9665
Document Number	000533/425
Book / Page	533 / 425
Map Reference	MB 1 PG 69
Instrument Date	Sep 24, 2021
Instrument	5970
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8807 NC HIGHWAY 194 N, TODD, NC 28684-9557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 N MAIN ST, JEFFERSON, NC 28640-9665

Mortgage

Document Number	0000005971
Date	Oct 5, 2021
Instrument	5971

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 9, 2020
Property Address	320 N MAIN ST, JEFFERSON, NC 28640-9665
Document Number	000514/463
Book / Page	514 / 463
Map Reference	MB 1 PG 69
Instrument Date	Jul 2, 2020
Instrument	3122
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 LEE OSBORNE RD, LANSING, NC 28643-8824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 N MAIN ST, JEFFERSON, NC 28640-9665
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003123
Date	Jul 9, 2020
Instrument	3123

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	May 4, 2018
Property Address	320 N MAIN ST, JEFFERSON, NC 28640-9665
Document Number	00490/2162
Book / Page	490 / 2162
Instrument Date	May 4, 2018
Instrument	000000002016
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	414 LEE OSBORNE RD, LANSING, NC 28643-8824
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000490/0000002164
Date	May 4, 2018
Book Page	0000000490/0000002164
Instrument	2017

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Jun 1, 2023
Index	Other

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	$1,909.00 (+5.7%)	$234,600 (-) Land $35,000 Building $199,600	$234,600 (-) Land $35,000 Building $199,600
2025	$1,806.00 (+4.76%)	$234,600 (-) Land $35,000 Building $199,600	$234,600 (-) Land $35,000 Building $199,600
2023	$1,724.00 (+13.57%)	$234,600 (+59.48%) Land $35,000 Building $199,600	$234,600 (+59.48%) Land $35,000 Building $199,600
2022	$1,518.00	$147,100 Land $20,000 Building $127,100	$147,100 Land $20,000 Building $127,100

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	4 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 145 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

320 N Main St, Jefferson, NC 28640 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on N Main St

Nearby Streets

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