107 Mercy Rdg, Sylva, NC 28779 Property Records

Jackson County property record for 107 Mercy Rdg, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 1997
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,000 (Jun 2026)
Tax Bill	$1,048 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7662-05-4324`

Property Details

APN / Parcel Number

Primary APN	`7662-05-4324`
Alternative APN	`75307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Heated Area
1st Floor Area	1,290 sqft
Basement Area	1,290 sqft
Unfinished Basement	1,290 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)

Exterior Amenities

Porch	Slab
Porch Area	366 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	107 MERCY RDG
City	SYLVA
State	NC
Zip	28779-9113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 OFF MINERAL SPRINGS DR
Legal Lot Number	5
Jurisdiction	JACKSON NC
Township / Civil Division	SCOTT CREEK
Census Block Group	2
Census Block	2038
Census Tract	950300

Owner

Source: Jackson County records, as of October 13, 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	107 MERCY RDG, SYLVA, NC 28779-9113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CREDIT UNION
Feb 16, 2024	Warranty Deed, Transfer
Feb 16, 2024	Warranty Deed, Transfer HOWARD HANNA MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Feb 16, 2024 · Amount on Record
Deed Book / Page	2422 / 1986
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 30, 2026
Property Address	107 MERCY RDG, SYLVA, NC 28779-9113
Document Number	2422001986
Book / Page	2422 / 1986
Instrument Date	Jun 25, 2026
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$68,074.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 MERCY RDG, SYLVA, NC 28779-9113

Mortgage

Document Number	2423000001,
Date	Jun 30, 2026
Book Page	2423/1

Lender

Name	CHAMPION CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Feb 16, 2024
Property Address	107 MERCY RDG, SYLVA, NC 28779
Document Number	0023720518
Book / Page	2372 / 518
Map Reference	CAB 26 SL 551
Instrument Date	Feb 14, 2024
Transaction Type	Transfer
Record Updated	Feb 29, 2024

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	1101 E ARBROOK BLVD, ARLINGTON, TX 76014-3342

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Feb 16, 2024
Property Address	107 MERCY RDG, SYLVA, NC 28779
Document Number	0023720544
Book / Page	2372 / 544
Map Reference	CAB 26 SL 55
Instrument Date	Feb 14, 2024
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Amount	Amount Recorded
Tax	$555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1101 E ARBROOK BLVD, ARLINGTON, TX 76014-3342

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18324 GOOSE LAKE CT, RENO, NV 89508-2505

Mortgage

Document Number	0002372547
Date	Feb 16, 2024
Instrument	2372/547

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0023720547
Date	Feb 16, 2024
Book Page	2372/547

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company
Address	1000 GAMMA DR, PITTSBURGH, PA 15238

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$275,986 (-) Land $49,100 Building $226,886
2025	$1,048.00 (+30.02%)	$275,986 (+30.01%) Land $49,100 Building $226,886
2023	$806.00	$212,280 Land $62,200 Building $150,080

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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	9 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2013 · river or lake flooding

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 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.06% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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