445 Olde River Rd, West Jefferson, NC 28694 Property Records

Ashe County property record for 445 Olde River Rd, West Jefferson, NC 28694

Property Summary

Property Type	Single Family Home
Details	2,106 sqft · built 2021
Lot Size	1 acres (43,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$11,500 (Jun 2016)
Tax Bill	$1,890 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Dec 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12310-019-007`

Property Details

APN / Parcel Number

Primary APN	`12310-019-007`
Alternative APNs	`122984651412` `106007`

Interior

Plumbing Fixtures	13 Plumbing Fixtures
Building Area	2,106 sqft Heated Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Lot Area	43,647 sqft (1 acres)

Location & Zoning

Account Number	106007
Old Parcel Number	12310019007
Street Address	445 OLDE RIVER RD
City	WEST JEFFERSON
State	NC
Zip	28694
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 (1.002 A)( 02 ADJ PER PLAT 6/87)
Legal Subdivision	CRYSTAL RIDGE SUBDIVISION
Legal Lot Number	7
Jurisdiction	ASHE NC
Township / Civil Division	OBIDS
Census Block Group	2
Census Block	2006
Census Tract	970702

Owner

Source: Ashe County records, as of September 3, 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	1111 DOTSON WAY, APEX, NC 27523-7526
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit SKYLINE NATIONAL BANK
Dec 17, 2020	Deed of Trust, Mortgage · Construction Mortgage SKYLINE NATIONAL BANK
Oct 20, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2016 · Amount on Record
Deed Sale	Jun 30, 2016 · Amount on Record
Deed Document Number	20162841
Deed Book / Page	471 / 1616
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	445 OLDE RIVER RD, WEST JEFFERSON, NC 28694
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 DOTSON WAY, APEX, NC 27523-7526

Mortgage

Document Number	00553/2180
Date	Jun 30, 2023
Book Page	553/2180
Instrument	2797

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	445 OLDE RIVER RD, WEST JEFFERSON, NC 28694
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 DOTSON WAY, APEX, NC 27523-7526

Mortgage

Document Number	0000521/96
Date	Dec 17, 2020
Book Page	521/96
Instrument	6589

Lender

Name	SKYLINE NATIONAL BANK
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Dec 26, 2041

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Oct 20, 2020
Property Address	445 OLDE RIVER RD, WEST JEFFERSON, NC 28694
Document Number	00518/1382
Book / Page	518 / 1382
Map Reference	MB 6 PG 87
Instrument Date	Oct 16, 2020
Instrument	5380
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 DOTSON WAY, APEX, NC 27523-7526

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	$1,890.00	$360,700 (-) Land $40,000 Building $320,700	$360,700 (-) Land $40,000 Building $320,700
2025	$1,890.00 (+8.31%)	$360,700 (-) Land $40,000 Building $320,700	$360,700 (-) Land $40,000 Building $320,700
2023	$1,745.00 (+30.81%)	$360,700 (+64.48%) Land $40,000 Building $320,700	$360,700 (+64.48%) Land $40,000 Building $320,700
2022	$1,334.00	$219,300 Land $40,000 Building $179,300	$219,300 Land $40,000 Building $179,300

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	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims

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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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