119 Charles St, Sylva, NC 28779 Property Records

Jackson County property record for 119 Charles St, Sylva, NC 28779

Property Summary

Property Type	Other Improved
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$109,000 (Feb 2021)
Tax Bill	$537 (2023)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7642-50-6348`

Property Details

APN / Parcel Number

Primary APN	`7642-50-6348`

Exterior

Lot Area	44,431 sqft (1.02 acres)

Location & Zoning

Street Address	119 CHARLES ST
City	SYLVA
State	NC
Zip	28779-5136
Property Category	Other
Property Type	Other > Other Improved
Legal Description	TR A OFF E SYLVA CIR
Legal Tract	A
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	1
Census Block	1027
Census Tract	950300

Owner

Source: Jackson County records, as of December 20, 2023

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	119 CHARLES ST, SYLVA, NC 28779-5136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 12, 2023	Intrafamily Transfer, Transfer
Feb 4, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2021 · Amount on Record
Deed Sale	Feb 4, 2021 · Amount on Record
Prior Sale	Feb 4, 2021 · Amount on Record
Deed Document Number	0022911364
Deed Book / Page	2291 / 1364
Last Transfer Date	Dec 12, 2023
Transfer Doc	0023681498
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	119 CHARLES ST, SYLVA, NC 28779-5136
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 946, SYLVA, NC 28779-0946

Mortgage

Document Number	0023681506
Date	Dec 12, 2023
Book Page	2368/1506

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.95%
Type Change Date	Jan 1, 2029
Change Frequency	5 Years
Min Rate At Change	4.95%
Max Rate At Change	8.95%
Index	5-Year TN
Margin	2
Max Rate	12.9%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON NC
Recording Date	Dec 12, 2023
Property Address	119 CHARLES ST, SYLVA, NC 28779-5136
Document Number	0023681498
Book / Page	2368 / 1498
Map Reference	MB 2291 PG 1364-1367
Instrument Date	Dec 6, 2023
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 CHARLES ST, SYLVA, NC 28779-5136

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Feb 4, 2021
Property Address	119 CHARLES ST, SYLVA, NC 28779-5136
Document Number	0022911364
Book / Page	2291 / 1364
Map Reference	CAB 24 SL 484
Instrument Date	Jan 2, 2021
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$218.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 CHARLES ST, SYLVA, NC 28779-5136

Mortgage

Document Number	0022911368
Date	Feb 4, 2021
Instrument	2291/1368

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2023	$537.00	$141,500 Land $53,550 Building $87,950

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% 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	MORNINGSTAR ASSISTED LIVING OF SYLVA private · serves 80 people · EPA ID NC0150157
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	TUCKASEIGEE WATER & SEWER AUTH
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Spectrum, T-Mobile.

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