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421 Low Gap Rd, Jefferson, NC 28640 Property Records

Ashe County property record for 421 Low Gap Rd, Jefferson, NC 28640 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details1,726 sqft · built 1977
Lot Size4 acres (174,240 sqft)
OwnerIndividual Name on File
Last Sale$261,000 (Jun 2021)
Tax Bill$1,353 (2025)
Deeds & MortgagesSep 2017 Mortgage
Jun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN14375-008

Property Details

APN / Parcel Number

Primary APN14375-008
Alternative APN
  • 108137

Interior

Plumbing Fixtures9 Plumbing Fixtures
Building Area1,726 sqft Heated Area

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Architectural StyleConventional
Lot Area174,240 sqft (4 acres)
Garage Area576 sqft

Location & Zoning

Account Number108137
Street Address421 LOW GAP RD
CityJEFFERSON
StateNC
Zip28640-9353
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description*4 A RT 1597 (PAVED HWY) ADJ F M ALLEN - LLOYD BAR
JurisdictionASHE NC
Township / Civil DivisionPEAK CREEK
Census Block Group2
Census Block2028
Census Tract970801

Owner

Source: Ashe County records · APN 14375-008

Assessment roll updated May 14, 2026 · Last verified May 2026

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

Owner of RecordIndividual Name on File
Mailing Address421 LOW GAP RD, JEFFERSON, NC 28640-9353
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2017Deed of Trust, Mortgage · Conventional Mortgage
FIRSTBANK
Jun 15, 2021Warranty Deed, Transfer · Conventional Mortgage
LIFESTORE BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 15, 2021 · Amount on Record
Deed SaleJun 15, 2021 · Amount on Record
Deed Document Number20213486
Deed Book / Page528 / 1303
Record UpdatedJun 08, 2026

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionASHE NC
Property Address421 LOW GAP RD, JEFFERSON, NC 28640-9353
Transaction TypeMortgage
Record UpdatedAug 22, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00484/1927
DateSep 29, 2017
Book Page0484/1927
Instrument04346
Lender
NameFIRSTBANK
TypeBank
AddressFRANKLIN, TN 37067
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2047

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionASHE NC
Recording DateJun 15, 2021
Property Address421 LOW GAP RD, JEFFERSON, NC 28640-9353
Document Number00528/1303
Book / Page528 / 1303
Instrument DateJun 10, 2021
Instrument3486
Transaction TypeTransfer
Record UpdatedAug 22, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$522.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2395 N OLD NC HIGHWAY 16, MILLERS CREEK, NC 28651-8120

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 LOW GAP RD, JEFFERSON, NC 28640-9353

Mortgage

Document Number0000003487
DateJun 15, 2021
Instrument3487
Lender
NameLIFESTORE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

Tax Assessment & Valuation

Source: Ashe County records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyAshe County
Unified School DistrictAshe County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,353.00 (+6.37%)$269,100 (-) Land $45,000 Building $224,100$269,100 (-) Land $45,000 Building $224,100
2023$1,272.00 (+14.08%)$269,100 (+50.25%) Land $45,000 Building $224,100$269,100 (+50.25%) Land $45,000 Building $224,100
2022$1,115.00$179,100 Land $39,000 Building $140,100$179,100 Land $39,000 Building $140,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Ashe County (37009C), updated June 2, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370099708012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies6 in force
Nearby Flood Claims3 (2024)
Most Recent ClaimSep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm
  • Tropical Storm Helene, Sep 2024 · 3 claims

Wildfire

Wildfire RiskModerate
above 43% of the US · above 63% of North Carolina
Wildfire LikelihoodAbout 1 in 1,351 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Loretto Telephone CompanyFiber2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

No mobile data coverage reported

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