348 Willow Creek Dr, Jefferson, NC 28640 Property Records

Ashe County property record for 348 Willow Creek Dr, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	4,478 sqft · built 2009
Lot Size	2.75 acres (120,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$960,000 (Apr 2022)
Tax Bill	$5,159 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09302-017-011`

Property Details

APN / Parcel Number

Primary APN	`09302-017-011`
Alternative APNs	`092987632907` `111755` `21527`

Interior

Plumbing Fixtures	22 Plumbing Fixtures
Building Area	4,478 sqft Heated Area
Gross Area	9,157 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Lot Area	120,095 sqft (2.75 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	111755
Old Parcel Number	09302017011
Street Address	348 WILLOW CREEK DR
City	JEFFERSON
State	NC
Zip	28640-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.757 AC
Legal Subdivision	RALPH N COLVARD PROPERTY
Legal Tract	11
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	1
Census Block	1000
Census Tract	970501

Owner

Source: Ashe County records, as of September 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	348 WILLOW CREEK DR, JEFFERSON, NC 28640-9041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 8, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2022 · Amount on Record
Deed Sale	Apr 8, 2022 · Amount on Record
Prior Sale	Apr 29, 2008 · Amount on Record
Deed Document Number	20221870
Deed Book / Page	540 / 702
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	348 WILLOW CREEK DR, JEFFERSON, NC 28640-9041
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 WILLOW CREEK DR, JEFFERSON, NC 28640-9041

Mortgage

Document Number	00549/1897
Date	Feb 8, 2023
Book Page	549/1897
Instrument	488

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Apr 8, 2022
Property Address	348 WILLOW CREEK DR, JEFFERSON, NC 28640-9041
Document Number	000540/702
Book / Page	540 / 702
Instrument Date	Apr 7, 2022
Instrument	1870
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	348 WILLOW CREEK DR, JEFFERSON, NC 28640-9041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 WILLOW CREEK DR, JEFFERSON, NC 28640-9041

Mortgage

Document Number	0000001871
Date	Apr 8, 2022
Instrument	1871

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$5,159.00 (+2.1%)	$1,025,800 (+2.1%) Land $71,100 Building $954,700	$1,025,800 (+2.1%) Land $71,100 Building $954,700
2025	$5,053.00 (+6.33%)	$1,004,700 (-) Land $50,000 Building $954,700	$1,004,700 (-) Land $50,000 Building $954,700
2023	$4,752.00 (+25.38%)	$1,004,700 (+48.73%) Land $50,000 Building $954,700	$1,004,700 (+48.73%) Land $50,000 Building $954,700
2022	$3,790.00	$675,500 Land $75,000 Building $600,500	$675,500 Land $75,000 Building $600,500

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	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	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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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