165 Scotch Highlands Loop, Sapphire, NC 28774 Property Records

Jackson County property record for 165 Scotch Highlands Loop, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,494 sqft · built 2005
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Company Names on File
Last Sale	$65,000 (Jul 2021)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Oct 2021 Sale Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`7582-76-8385`

Property Details

APN / Parcel Number

Primary APN	`7582-76-8385`
Alternative APN	`132815`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,494 sqft Heated Area
1st Floor Area	1,247 sqft
Basement Area	1,247 sqft
Finished Basement	1,247 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)

Exterior Amenities

Porch	Patio
Porch Area	222 sqft
Deck Area	516 sqft
Patio Area	1,200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	165 SCOTCH HIGHLANDS LOOP
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 MOUNTAIN CLUB
Legal Subdivision	MOUNTAIN CLUB
Legal Lot Number	4
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1090
Census Tract	950900

Owner

165 Scotch Highlands Loop is owned by a company that bought it in July 2021.

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

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 2121, CASHIERS, NC 28717-2121
Owner Type	Company
Vesting	Company

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 8, 2021	Warranty Deed, Transfer
Jul 16, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Dec 30, 2020 · Amount on File
Deed Book / Page	2307 / 1943
Prior Transfer Date	May 27, 2010
Prior Transfer Doc	0018520560
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Oct 8, 2021
Property Address	165 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0023160345
Book / Page	2316 / 345
Map Reference	CAB 14 SL 486
Instrument Date	Oct 7, 2021
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 RENAISSANCE DR, HOOVER, AL 35226-4142

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 16, 2021
Property Address	165 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0023071943
Book / Page	2307 / 1943
Map Reference	CAB 14 SL 486
Instrument Date	Jul 16, 2021
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3347, CASHIERS, NC 28717-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1277 WOODCREST DR, MACON, GA 31210-1563

Tax Assessment & Valuation

The 2025 property tax bill for 165 Scotch Highlands Loop was $3,124.

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		$822,157 Land $100,000 Building $722,157
2025	$3,124.00
2023	$1,571.00	$413,420 Land $75,000 Building $338,420

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

Flood

FEMA maps place 165 Scotch Highlands Loop 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 165 Scotch Highlands Loop is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAIRFIELD SAPPHIRE private · serves 3,873 people · EPA ID NC0150113
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2017–2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Uranium resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

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

Nearby Properties on Scotch Highlands Loop

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