18 Ribbon Ln, Whittier, NC 28789 Property Records

Jackson County property record for 18 Ribbon Ln, Whittier, NC 28789

Property Summary

Property Type	Residential Vacant Land
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$162,500 (Jun 2021)
Tax Bill	$64 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7622-16-1711`

Property Details

APN / Parcel Number

Primary APN	`7622-16-1711`
Alternative APN	`178894`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	18 RIBBON LN
City	WHITTIER
State	NC
Zip	28789-7871
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LT 18 SEC A BIG LAUREL ACRES 2
Legal Lot Number	18
Jurisdiction	JACKSON NC
Township / Civil Division	BARKERS CREEK
Census Block Group	4
Census Block	4011
Census Tract	950300

Owner

18 Ribbon Ln, residential vacant land, is owned by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	110 RIBBON LN, WHITTIER, NC 28789-7872
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
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Jun 24, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 12, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	Apr 12, 2017 · Amount on File
Deed Book / Page	2305 / 1567
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	18 RIBBON LN, WHITTIER, NC 28789-7871
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023051587
Date	Jun 24, 2021
Book Page	2305/1587

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 24, 2021
Property Address	18 RIBBON LN, WHITTIER, NC 28789-7871
Document Number	0023051567
Book / Page	2305 / 1567
Instrument Date	Apr 16, 2021
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 BITTERSWEET DR, 41, HENDERSONVILLE, NC 28792-8438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 RIBBON LN, WHITTIER, NC 28789-7872
Investor	Possibly a Property Investor

Mortgage

Document Number	0023051571
Date	Jun 24, 2021
Instrument	2305/1571

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 12, 2017
Property Address	18 RIBBON LN, WHITTIER, NC 28789-7871
Document Number	0021861930
Book / Page	2186 / 1930
Instrument Date	Apr 10, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$211.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 BLUEBERRY LN, 401, BRANDON, FL 33510-3209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 RIBBON LN, WHITTIER, NC 28789-7872

Mortgage

Document Number	0021861935
Date	Apr 12, 2017
Book Page	2186/1935

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 18 Ribbon Ln was $64.

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		$16,910 Land $16,910
2025	$64.00
2023	$68.00	$18,040 Land $18,040

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 18 Ribbon Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (1995)
Most Recent Claim	Aug 1995 · 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 18 Ribbon Ln is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.09% 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

May also be available: Verizon, Zito Media.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Ribbon Ln

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