165 Moss Crk, Sylva, NC 28779 Property Records

Jackson County property record for 165 Moss Crk, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,907 sqft · built 1983
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jan 2007)
Tax Bill	$2,671 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7642-25-4593`

Property Details

APN / Parcel Number

Primary APN	`7642-25-4593`
Alternative APN	`140818`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,907 sqft Heated Area
1st Floor Area	1,907 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	724 sqft
Deck Area	312 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	165 MOSS CRK
City	SYLVA
State	NC
Zip	28779-8423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 2 OFF ALLENS BRANCH RD
Legal Tract	2
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	3
Census Block	3000
Census Tract	950300

Owner

165 Moss Crk is owned and occupied by two individuals who bought it in January 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	165 MOSS CRK, SYLVA, NC 28779-8423
Occupancy	Owner Occupied
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 15, 2026	Deed of Trust, Mortgage · Line of Credit BAY BANK TRUST COMPANY
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage SELECT BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2007 · Amount on File
Deed Sale	Jan 31, 2007 · Amount on File
Deed Book / Page	1650 / 467
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Sep 15, 2026
Property Address	165 MOSS CRK, SYLVA, NC 28779-8423
Document Number	2428000743
Book / Page	2428 / 743
Instrument Date	Sep 3, 2026
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 MOSS CRK, SYLVA, NC 28779-8423

Mortgage

Document Number	2428000743,
Date	Sep 15, 2026
Book Page	2428/743

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	165 MOSS CRK, SYLVA, NC 28779-8423
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023110087
Date	Aug 16, 2021
Book Page	2311/87

Lender

Name	SELECT BANK & TRUST CO
Type	Bank
Address	WILMINGTON, NC 28405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 165 Moss Crk was $2,671.

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		$763,482 Land $74,670 Building $688,812
2025	$2,671.00
2023	$1,717.00	$451,920 Land $77,120 Building $374,800

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

Flood

FEMA maps place 165 Moss Crk in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1991.

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	8 (1991–2024)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Hurricane Ivan, Sep 2004 · 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

Wildfire risk around 165 Moss Crk is moderate, ranking above 56% of the US, with a 0.2% annual chance of 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	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 23 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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