1424 Tower Rd, Sapphire, NC 28774 Property Records

Jackson County property record for 1424 Tower Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,956 sqft · built 2004
Lot Size	4 acres (174,240 sqft)
Owner	2 Trust Names on File
Last Sale	$80,000 (Oct 2023)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8502-36-2632`

Property Details

APN / Parcel Number

Primary APN	`8502-36-2632`
Alternative APN	`50503`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,956 sqft Heated Area
1st Floor Area	1,956 sqft
Attic	Attic
Attic Area	195 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Deck Area	170 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1424 TOWER RD
City	SAPPHIRE
State	NC
Zip	28774-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 SAPPHIRE HIGH
Legal Subdivision	SAPPHIRE HIGH
Legal Lot Number	6
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1000
Census Tract	950900

Owner

1424 Tower Rd is held in a trust since May 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	1900 VIRGINIA AVE, 1102, FORT MYERS, FL 33901-3337
Owner Type	Company
Vesting	Trust

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
Oct 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN CU
Aug 10, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2023 · Amount on File
Deed Sale	Oct 6, 2023 · Amount on File
Prior Sale	Aug 10, 2023 · Amount on File
Deed Book / Page	2364 / 1534
Last Transfer Date	May 19, 2025
Transfer Doc	0024001528
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	1424 TOWER RD, SAPPHIRE, NC 28774-7709
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 VIRGINIA AVE 1102, 1102, FORT MYERS, FL 33901-3337

Mortgage

Document Number	0023641611
Date	Oct 6, 2023
Book Page	2364/1611

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	CANDLER, NC 28715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2030
Change Frequency	7 Years
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	11.7%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 10, 2023
Property Address	1424 TOWER RD, SAPPHIRE, NC 28774-7709
Document Number	0023610727
Book / Page	2361 / 727
Map Reference	CAB 6 SL 450
Instrument Date	Aug 4, 2023
Transaction Type	Transfer
Record Updated	Aug 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1424 TOWER RD, SAPPHIRE, NC 28774-7709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 VIRGINIA AVE APT 1102, 1102, FORT MYERS, FL 33901-3337

Mortgage

Document Number	0002361730
Date	Aug 10, 2023
Instrument	2361/730

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	12.2%
Index	1-Year T-Bill
Max Rate	12.2%

Tax Assessment & Valuation

The 2025 property tax bill for 1424 Tower Rd was $3,054.

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		$803,772 (-) Land $250,000 Building $553,772
2025	$3,054.00	$803,772 Land $250,000 Building $553,772
2023	$1,645.00	$432,910 Land $150,000 Building $282,910

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

Flood

FEMA maps place 1424 Tower Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2020–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2022 · rainfall accumulation

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 1424 Tower Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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