424 Olde Charter Cir, Jefferson, NC 28640 Property Records

Ashe County property record for 424 Olde Charter Cir, Jefferson, NC 28640

Property Summary

Property Type	Single Family Home
Details	3,662 sqft · built 1999
Lot Size	0.747 acres (32,539 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Apr 2020)
Tax Bill	$3,281 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09302-293-011`

Property Details

APN / Parcel Number

Primary APN	`09302-293-011`
Alternative APNs	`092987941927` `106015`

Interior

Plumbing Fixtures	14 Plumbing Fixtures
Building Area	3,662 sqft Heated Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Contemporary
Lot Area	32,539 sqft (0.747 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	106015
Old Parcel Number	09302293011
Street Address	424 OLDE CHARTER CIR
City	JEFFERSON
State	NC
Zip	28640-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 (.747 A) FROM JEFFERSON LANDING HWY 88
Legal Subdivision	JEFFERSON LANDING INC
Legal Lot Number	11
Jurisdiction	ASHE NC
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3019
Census Tract	970501

Owner

424 Olde Charter Cir is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	424 OLDE CHARTER CIR, JEFFERSON, NC 28640-9413
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2020 · Amount on File
Deed Sale	Apr 23, 2020 · Amount on File
Deed Document Number	20201731
Deed Book / Page	511 / 862
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Apr 23, 2020
Property Address	424 OLDE CHARTER CIR, JEFFERSON, NC 28640-9413
Document Number	000511/862
Book / Page	511 / 862
Map Reference	MB 5 PG 185
Instrument Date	Apr 20, 2020
Instrument	1731
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 922, JEFFERSON, NC 28640-0922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 HAMPTON BLVD, GAFFNEY, SC 29341-3513

Mortgage

Document Number	0000001732
Date	Apr 23, 2020
Instrument	1732

Lender

Name	LIFESTORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 424 Olde Charter Cir was $3,281.

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	$3,281.00	$652,400 (-) Land $50,000 Building $602,400	$652,400 (-) Land $50,000 Building $602,400
2025	$3,281.00	$652,400 Land $50,000 Building $602,400	$652,400 Land $50,000 Building $602,400
2023	$3,085.00 (+32.29%)	$652,400 (+50.74%) Land $50,000 Building $602,400	$652,400 (+50.74%) Land $50,000 Building $602,400
2022	$2,332.00	$432,800 Land $70,000 Building $362,800	$432,800 Land $70,000 Building $362,800

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

Flood

FEMA maps place 424 Olde Charter Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	4 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

Wildfire risk around 424 Olde Charter Cir is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.06% 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 83 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
T-Mobile Fixed Wireless	100 / 20