166 The Rapids, Sapphire, NC 28774 Property Records

Transylvania County property record for 166 The Rapids, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,490 sqft · built 1990
Lot Size	1.16 acres (50,470 sqft)
Owner	Individual Name on Record
Last Sale	$760,000 (Feb 2026)
Tax Bill	$4,346 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8501-58-9654-000`

Property Details

APN / Parcel Number

Primary APN	`8501-58-9654-000`
Alternative APN	`70560100`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,490 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	50,470 sqft (1.16 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70560100
Street Address	166 THE RPDS
City	SAPPHIRE
State	NC
Zip	28774-0015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L007 THE RAPIDS ROAD
Legal Subdivision	RAPIDS OF BURLINGAME
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1031
Census Tract	960601

Owner

Source: Transylvania 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	Individual Name on Record
Mailing Address	611 LAUREL DR UNIT 1400, 1400, SAPPHIRE, NC 28774
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Aug 9, 2019	Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	Oct 1, 1992 · Amount on Record
Deed Document Number	2026515
Deed Book / Page	1177 / 555
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Feb 6, 2026
Property Address	166 THE RAPIDS, SAPPHIRE, NC 28774-0015
Document Number	0011770555
Book / Page	1177 / 555
Map Reference	FILE 4 SL 4
Instrument Date	Feb 4, 2026
Instrument	2026000515
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5607 SE FOXCROSS PL, STUART, FL 34997-8044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 LAUREL RDG # 1400, 1400, SAPPHIRE, NC 28774

Mortgage

Document Number	2026000516
Date	Feb 6, 2026
Instrument	2026000516

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Max Rate	10.6%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	166 THE RPDS, SAPPHIRE, NC 28774-0015
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008890097
Date	Aug 9, 2019
Book Page	889/097
Instrument	2019004020

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 9, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Transylvania County
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,346.00	$904,540 (-) Land $220,000 Building $684,540	$904,540 (-) Land $220,000 Building $684,540
2025	$4,346.00 (+10.5%)	$904,540 (+51.39%) Land $220,000 Building $684,540	$904,540 (+51.39%) Land $220,000 Building $684,540
2023	$3,933.00	$597,490 Land $220,000 Building $377,490	$597,490 Land $220,000 Building $377,490

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 26, 2017 · 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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on The Rapids

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