101 River Overlook Rd, Sapphire, NC 28774 Property Records

Transylvania County property record for 101 River Overlook Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,592 sqft · built 1998
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$844,500 (Sep 2020)
Tax Bill	$6,255 (2026)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8501-96-9565-000`

Property Details

APN / Parcel Number

Primary APN	`8501-96-9565-000`
Alternative APN	`70477120`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	3,592 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	65,340 sqft (1.5 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70477120
Street Address	101 RIVER OVERLOOK RD
City	SAPPHIRE
State	NC
Zip	28774-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 RIVER OVERLOOK 1.55
Legal Subdivision	SAPPHIRE LAKES
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1023
Census Tract	960601

Owner

101 River Overlook Rd is owned by an individual who bought it in September 2020.

Source: Transylvania County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	1314 3RD ST, NEW ORLEANS, LA 70130-5744
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
Sep 19, 2018	Deed of Trust, Mortgage · ARM CAROLINA ALLIANCE BANK
Sep 25, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Sep 7, 2017	Warranty Deed, Transfer · Conventional Mortgage CAROLINA ALLIANCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Prior Sale	Sep 7, 2017 · Amount on File
Deed Document Number	20205709
Deed Book / Page	941 / 344
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	101 RIVER OVERLOOK RD, SAPPHIRE, NC 28774-8743
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008560406
Date	Sep 19, 2018
Book Page	856/406
Instrument	2018004804

Lender

Name	CAROLINA ALLIANCE BANK
Type	Bank
Address	GREENVILLE, SC 29607

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	7.4%
Index	1-Year CMT
Margin	4
Max Rate	11.4%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Sep 25, 2020
Property Address	101 RIVER OVERLOOK RD, SAPPHIRE, NC 28774-8743
Document Number	0009410344
Book / Page	000941 / 000344
Instrument Date	Sep 25, 2020
Instrument	5709
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,689.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 3RD ST NEW ORLEANS LA 701305744, NEW ORLEANS, LA 70130-5744

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Sep 7, 2017
Property Address	101 RIVER OVERLOOK RD, SAPPHIRE, NC 28774-8743
Document Number	0008170055
Book / Page	817 / 055
Map Reference	FILE 16 SL 486
Instrument Date	Sep 7, 2017
Instrument	2017004706
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 RIVER OVERLOOK RD, 101, SAPPHIRE, NC 28774-8743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 MONTGOMERY DR, SPARTANBURG, SC 29302-3446

Mortgage

Document Number	2017004707
Date	Sep 7, 2017
Instrument	2017004707

Lender

Name	CAROLINA ALLIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 7, 2018

Tax Assessment & Valuation

The 2026 property tax bill for 101 River Overlook Rd was $6,255.

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Transylvania County
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,255.00	$1,301,960 Land $200,000 Building $1,101,960	$1,301,960 Land $200,000 Building $1,101,960
2023	$5,896.00	$895,710 Land $300,000 Building $595,710	$895,710 Land $300,000 Building $595,710

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

Flood

FEMA maps place 101 River Overlook Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 26, 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	4 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 101 River Overlook 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 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.04% 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	SAPPHIRE LAKES DEVELOPMENT private · serves 724 people · EPA ID NC0188127
Water Source	Groundwater
Last State Inspection	May 2024
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	4 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. The service area is an EPA estimate; the actual supplier may differ.

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)
Comporium Cable	2,000 / 200

May also be available: Verizon.

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