544 Three Oaks Dr, Hays, NC 28635 Property Records

Wilkes County property record for 544 Three Oaks Dr, Hays, NC 28635

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,233 sqft · built 1978
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$329,000 (Apr 2026)
Tax Bill	$1,427 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3971-78-6255`

Property Details

APN / Parcel Number

Primary APN	`3971-78-6255`
Alternative APNs	`1601337` `201406`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,233 sqft Living Area
1st Floor Area	1,421 sqft
Basement Area	812 sqft
Finished Basement	812 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Type	Flat
Lot Area	22,651 sqft (0.52 acres)
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	201406
Street Address	544 THREE OAKS DR
City	HAYS
State	NC
Zip	28635-9242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	THREE OAKS 20E ROCK CREEK
Jurisdiction	WILKES NC
Township / Civil Division	ROCK CREEK
Census Block Group	1
Census Block	1009
Census Tract	960300

Owner

Source: Wilkes County records, as of May 27, 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	544 THREE OAKS DR, HAYS, NC 28635-9242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Apr 15, 2021 · Amount on Record
Deed Document Number	20262709
Deed Book / Page	1439 / 253
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILKES NC
Recording Date	Apr 22, 2026
Property Address	544 THREE OAKS DR, HAYS, NC 28635-9242
Document Number	001439/253
Book / Page	1439 / 253
Instrument Date	Apr 22, 2026
Instrument	2026.2709
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,458.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 THREE OAKS DR, HAYS, NC 28635-9242

Mortgage

Document Number	0000002710,
Date	Apr 22, 2026
Book Page	1439/254
Instrument	2026.2710

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Wilkes County assessment roll, as of January 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Wilkes County
Unified School District	Wilkes County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,427.00 (-48%)	$303,930 (+63.88%) Land $14,580 Building $289,350	$303,930 (+63.88%) Land $14,580 Building $289,350
2024	$2,744.00
2023		$185,460 Land $14,070 Building $171,390	$185,460 Land $14,070 Building $171,390

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 August 15, 2024

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	0.03% 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	BLUE RIDGE WATER ASSOCIATION private · serves 8,486 people · EPA ID NC0197030
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 1 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: RiverStreet Networks.

Cell Coverage

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

Nearby Properties on Three Oaks Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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