655 Big Tree Rd, West Jefferson, NC 28694 Property Records

Ashe County property record for 655 Big Tree Rd, West Jefferson, NC 28694

Property Summary

Property Type	Single Family Home
Details	2,244 sqft · built 2009
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Dec 2020)
Tax Bill	$4,064 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13190-246-00D`

Property Details

APN / Parcel Number

Primary APN	`13190-246-00D`
Alternative APNs	`132946905644` `107476`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Building Area	2,244 sqft Heated Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Rustic
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	107476
Old Parcel Number	1319024600D
Street Address	655 BIG TREE RD
City	WEST JEFFERSON
State	NC
Zip	28694-7487
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT D (2.01 A) OFF NCSR 1142
Legal Subdivision	THE HIGHLANDER COMPANY PROPERTY
Legal Lot Number	D
Jurisdiction	ASHE NC
Township / Civil Division	OLD FIELDS
Census Block Group	2
Census Block	2004
Census Tract	970701

Owner

655 Big Tree Rd is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	655 BIG TREE RD, WEST JEFFERSON, NC 28694-7487
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

Date	Document
Feb 2, 2018	Deed of Trust, Mortgage BANK OF AMERICA NA
Mar 1, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES
Jun 6, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Apr 20, 2006 · Amount on File
Deed Document Number	20206485
Deed Book / Page	520 / 1885
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	655 BIG TREE RD, WEST JEFFERSON, NC 28694-7487
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000488/0000000501
Date	Feb 2, 2018
Book Page	0000000488/0000000501
Instrument	000000000477

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHE NC
Property Address	655 BIG TREE RD, WEST JEFFERSON, NC 28694-7487
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00478/1757
Date	Mar 1, 2017
Book Page	0478/1757
Instrument	00906

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Dec 11, 2020
Property Address	655 BIG TREE RD, WEST JEFFERSON, NC 28694-7487
Document Number	00520/1885
Book / Page	520 / 1885
Map Reference	MB 204 PG 1493
Instrument Date	Dec 8, 2020
Instrument	6485
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	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 BIG TREE RD, WEST JEFFERSON, NC 28694-7487

Mortgage

Document Number	0000006486
Date	Dec 11, 2020
Instrument	6486

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHE NC
Recording Date	Jun 6, 2018
Property Address	655 BIG TREE RD, WEST JEFFERSON, NC 28694-7487
Document Number	00491/1736
Book / Page	491 / 1736
Instrument Date	May 25, 2018
Instrument	000000002505
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	1400, WEST JEFFERSON, NC 28694

Tax Assessment & Valuation

The 2026 property tax bill for 655 Big Tree Rd was $4,064.

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	$4,064.00	$775,600 (-) Land $70,000 Building $705,600	$775,600 (-) Land $70,000 Building $705,600
2025	$4,064.00	$775,600 Land $70,000 Building $705,600	$775,600 Land $70,000 Building $705,600
2023	$3,753.00 (+34.13%)	$775,600 (+58.12%) Land $70,000 Building $705,600	$775,600 (+58.12%) Land $70,000 Building $705,600
2022	$2,798.00	$490,500 Land $70,000 Building $420,500	$490,500 Land $70,000 Building $420,500

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

Flood

FEMA maps place 655 Big Tree Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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 655 Big Tree Rd is low, with a 0.04% annual chance of 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	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 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

Cell Coverage

5G (outdoors only) and 4G LTE

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