138 Elm St, Sylva, NC 28779 Property Records

Jackson County property record for 138 Elm St, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 2006
Lot Size	0.39 acres (16,988 sqft)
Owner	Company Name on Record
Last Sale	$307,000 (May 2026)
Tax Bill	$1,113 (2025)
Deeds & Mortgages	May 2026 Sale May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7631-85-7219`

Property Details

APN / Parcel Number

Primary APN	`7631-85-7219`
Alternative APN	`179005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Heated Area
1st Floor Area	1,188 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	48 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	138 ELM ST
City	SYLVA
State	NC
Zip	28779-6797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ELM ST
Legal Subdivision	1715 PARTNERS
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	3
Census Block	3005
Census Tract	950400

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	Company Name on Record
Mailing Address	1715 HIGHWAY 411 N, ETOWAH, TN 37331-5499
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 16, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 9, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Aug 14, 2024 · Amount on Record
Deed Book / Page	2421 / 137
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 27, 2026
Property Address	138 ELM ST, SYLVA, NC 28779-6797
Document Number	2421000137
Book / Page	2421 / 137
Instrument Date	May 27, 2026
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$62,014.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	1715 HIGHWAY 411 N, ETOWAH, TN 37331-5499

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 16, 2022
Property Address	138 ELM ST, SYLVA, NC 28779-6797
Document Number	0023341301
Book / Page	2334 / 1301
Map Reference	CAB 15 SL 4
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	278 BEECHER DALTON RD, 278, SYLVA, NC 28779-7351

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	138 ELM ST, SYLVA, NC 28779-6797

Mortgage

Document Number	0023341304
Date	May 16, 2022
Instrument	2334/1304

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 9, 2017
Property Address	138 ELM ST, SYLVA, NC 28779-6797
Document Number	0021880443
Book / Page	2188 / 443
Instrument Date	May 9, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 CABIN RDG, 205, CULLOWHEE, NC 28723-7853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1802 BIG BRANCH RD, CLYDE, NC 28721-8740

Mortgage

Document Number	0021880446
Date	May 9, 2017
Book Page	2188/446

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

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

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
2026		$293,093 (-) Land $35,210 Building $257,883
2025	$1,113.00 (+67.87%)	$293,093 (+67.97%) Land $35,210 Building $257,883
2023	$663.00	$174,490 Land $29,930 Building $144,560

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	8 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.2% 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 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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