406 Long St, Jefferson, NC 28640 Property Records

Ashe County property record for 406 Long St, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	2,808 sqft · built 1931
Lot Size	0.566 acres (24,650 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jul 2021)
Tax Bill	$2,577 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09263-001-535`

Property Details

APN / Parcel Number

Primary APN	`09263-001-535`
Alternative APN	`110099`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,808 sqft Heated Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1940
Architectural Style	Conventional
Lot Area	24,650 sqft (0.566 acres)
Lot Dimensions	170 ft deep x 145 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	110099
Street Address	406 LONG ST
City	JEFFERSON
State	NC
Zip	28640-9899
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT NO. 1 OF EMMETT STANLEY LAND LONG ST (RURAL PA
Legal Subdivision	EMMETT STANLEY LAND
Legal Lot Number	1
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	1
Census Block	1019
Census Tract	970501

Owner

Source: Ashe County records, as of May 14, 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	406 LONG ST, JEFFERSON, NC 28640-9899
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 8, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Jul 13, 2005 · Amount on Record
Deed Document Number	20213947
Deed Book / Page	529 / 1050
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	406 LONG ST, JEFFERSON, NC 28640-9899
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00552/1274
Date	May 18, 2023
Book Page	552/1274
Instrument	2065

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jul 8, 2021
Property Address	406 LONG ST, JEFFERSON, NC 28640-9899
Document Number	00529/1050
Book / Page	529 / 1050
Map Reference	MB 2 PG 27
Instrument Date	Jul 8, 2021
Instrument	3947
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	237 SYCAMORE CIR, BUTLER, TN 37640-7848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 LONG ST, JEFFERSON, NC 28640-9899

Mortgage

Document Number	0000003948
Date	Jul 8, 2021
Instrument	3948

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Aug 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

Source: Ashe County assessment roll, as of May 14, 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
2025	$2,577.00 (+4.76%)	$334,200 (-) Land $35,000 Building $299,200	$334,200 (-) Land $35,000 Building $299,200
2023	$2,460.00 (+30.57%)	$334,200 (+79.77%) Land $35,000 Building $299,200	$334,200 (+79.77%) Land $35,000 Building $299,200
2022	$1,884.00	$185,900 Land $20,000 Building $165,900	$185,900 Land $20,000 Building $165,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: Brightspeed.

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