405 Oak St, East Bend, NC 27018 Property Records

Yadkin County property record for 405 Oak St, East Bend, NC 27018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,381 sqft · built 1987
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Feb 2026)
Tax Bill	$2,589 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`595015543592`

Property Details

APN / Parcel Number

Primary APN	`595015543592`
Alternative APNs	`1060363` `146971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,381 sqft Finished Area
Gross Area	2,541 sqft
1st Floor Area	1,381 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,284 sqft (0.81 acres)
Garage Area	576 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	186 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1060363
Street Address	405 OAK ST
City	EAST BEND
State	NC
Zip	27018-7385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 12-13
Legal Subdivision	VALLEY DRIVE
Legal Lot Number	12-13
Jurisdiction	YADKIN NC
Township / Civil Division	EAST BEND
Census Block Group	1
Census Block	1022
Census Tract	50101

Owner

Source: Yadkin County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 OAK ST, EAST BEND, NC 27018-7385
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALLEGACY FCU
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage ALLEGACY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Deed Document Number	2026470
Deed Book / Page	1459 / 455
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YADKIN NC
Property Address	405 OAK ST, EAST BEND, NC 27018-7385
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003690
Date	Oct 2, 2023
Book Page	1394/629
Instrument	3690

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	26053

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 27, 2038

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YADKIN NC
Recording Date	Feb 9, 2026
Property Address	405 OAK ST, EAST BEND, NC 27018-7385
Document Number	0000000470
Book / Page	1459 / 455
Map Reference	MB 5 PG 215
Instrument Date	Feb 9, 2026
Instrument	470
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8543 STYERS FERRY RD, CLEMMONS, NC 27012-8078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 OAK ST, EAST BEND, NC 27018-7385

Mortgage

Document Number	0000000471
Date	Feb 9, 2026
Instrument	471

Lender

Name	ALLEGACY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2036
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	1-Year T-Bill
Max Rate	10.8%

Tax Assessment & Valuation

Source: Yadkin County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	East Bend Town
County	Yadkin County
Unified School District	Yadkin County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,589.00 (+20.08%)	$216,591 (+20.1%) Land $20,048 Building $196,543
2025	$2,156.00 (-0.37%)	$180,339 (-) Land $20,048 Building $160,291
2023	$2,164.00 (+27.37%)	$180,339 (+30.87%) Land $20,048 Building $160,291	$216,591 (+57.18%) Land $20,048 Building $196,543
2022	$1,699.00	$137,797 Land $20,362 Building $117,435	$137,797 Land $20,362 Building $117,435

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 February 8, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 EAST BEND serves 1,466 people · EPA ID NC0299025
Water Source	Purchased surface water from YADKIN COUNTY - EAST BEND
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zirrus Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures