175 Eagle Ridge Cir, Whittier, NC 28789 Property Records

Swain County property record for 175 Eagle Ridge Cir, Whittier, NC 28789

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,425 sqft · built 2000
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Last Sale	$469,000 (Mar 2023)
Tax Bill	$1,291 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`669300948917`

Property Details

APN / Parcel Number

Primary APN	`669300948917`
Alternative APNs	`541194` `542196`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,425 sqft Total Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Garage Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	542196
Street Address	175 EAGLE RIDGE CIR
City	WHITTIER
State	NC
Zip	28789-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-OR-1336-A CONLEYS CRK SMCC LT 46
Legal Subdivision	SMOKY MOUNTAIN COUNTRY CLUB
Legal Lot Number	46
Jurisdiction	SWAIN NC
Township / Civil Division	CHARLESTON
Census Block Group	1
Census Block	1046
Census Tract	960302

Owner

175 Eagle Ridge Cir is owned by two individuals who bought it in March 2023.

Source: Swain County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1007, WHITTIER, NC 28789-1007
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
Mar 22, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 17, 2021	Warranty Deed, Transfer
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 6, 2017	Warranty Deed, Transfer · Conventional Mortgage
Jan 6, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2023 · Amount on File
Deed Sale	Mar 22, 2023 · Amount on File
Prior Sale	Dec 17, 2021 · Amount on File
Deed Document Number	2023453
Deed Book / Page	517 / 992
Prior Transfer Date	Oct 8, 2007
Prior Transfer Doc	352/1053
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SWAIN NC
Recording Date	Mar 22, 2023
Property Address	175 EAGLE RIDGE CIR, WHITTIER, NC 28789-4514
Document Number	000517/992
Book / Page	517 / 992
Instrument Date	Mar 21, 2023
Instrument	453
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$938.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21228 QUIET HAVEN CT, LAND O LAKES, FL 34637-7478

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 EAGLE RIDGE CIR, WHITTIER, NC 28789-4514

Mortgage

Document Number	0000000454
Date	Mar 22, 2023
Instrument	454

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SWAIN NC
Recording Date	Dec 17, 2021
Property Address	175 EAGLE RIDGE CIR, WHITTIER, NC 28789-4514
Document Number	000502/218
Book / Page	502 / 218
Instrument Date	Dec 17, 2021
Instrument	3164
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 EAGLE RIDGE CIR, 175, WHITTIER, NC 28789-4514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21228 QUIET HAVEN CT, LAND O LAKES, FL 34637-7478

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	175 EAGLE RIDGE CIR, WHITTIER, NC 28789-4514
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	488/1045
Date	Mar 10, 2021
Book Page	488/1045
Instrument	561

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Feb 1, 2036

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SWAIN NC
Recording Date	Jan 6, 2017
Property Address	175 EAGLE RIDGE CIR, WHITTIER, NC 28789-4514
Document Number	00445/0477
Book / Page	00445 / 0477
Map Reference	DOCR7-D8-99,3-10,000
Instrument Date	Jan 5, 2017
Instrument	00022
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$566.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 EAGLE RDG, 175, WHITTIER, NC 28789-4514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 CRISS CROSS LN, TUCKASEGEE, NC 28783

Mortgage

Document Number	, 00023
Date	Jan 6, 2017
Instrument	00023

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SWAIN NC
Recording Date	Jan 6, 2017
Property Address	175 EAGLE RIDGE CIR, WHITTIER, NC 28789-4514
Document Number	00445/0477
Book / Page	00445 / 0477
Map Reference	DOCR7-D8-99,3-10,000
Instrument Date	Jan 5, 2017
Instrument	00022
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$566.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 EAGLE RIDGE CIR, 175, WHITTIER, NC 28789-4514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 CRISS CROSS LN, TUCKASEGEE, NC 28783

Mortgage

Document Number	00023
Date	Jan 6, 2017
Instrument	00023

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 175 Eagle Ridge Cir was $1,291.

Source: Swain County assessment roll, as of August 28, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,291.00	$286,920 Land $20,000 Building $266,920	$286,920 Land $20,000 Building $266,920
2023	$1,147.00 Additional exemption filed	$286,920 Land $20,000 Building $266,920	$286,920 Land $20,000 Building $266,920

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

Flood

FEMA maps place 175 Eagle Ridge Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 individual policies
Nearby Flood Policies	24 units insured incl. 6 condo units
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Ivan

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 175 Eagle Ridge Cir is moderate, ranking above 57% 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 57% of the US · above 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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