184 E Valley Dr, Sapphire, NC 28774 Property Records

Jackson County property record for 184 E Valley Dr, Sapphire, NC 28774

Property Summary

Property Type	Vacant Land
Lot Size	2.08 acres (91,040 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Nov 2022)
Tax Bill	$2,280 (2023)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7583-52-9653`

Property Details

APN / Parcel Number

Primary APN	`7583-52-9653`

Exterior

Lot Area	91,040 sqft (2.08 acres)

Location & Zoning

Street Address	184 E VALLEY DR
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	LT 184 REV PH 2 LONESOME VALLEY
Legal Tract	1
Legal Lot Number	184
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1008
Census Tract	950900

Owner

Source: Jackson County records · APN 7583-52-9653

Assessment roll updated January 1, 2023 · Last verified August 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2111 HASTINGS DR, CHARLOTTE, NC 28207-2425
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 09, 2026	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Oct 02, 2023	Deed of Trust, Mortgage · Construction Mortgage TD BANK NA
Nov 14, 2022	Warranty Deed, Transfer
Jun 09, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Prior Sale	Jun 09, 2022 · Amount on Record
Deed Document Number	0023461213
Deed Book / Page	2346 / 1213
Record Updated	Jun 07, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	43 HICKORY STAND DR 28774, 28774, GLENVILLE, NC 28736
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2111 HASTINGS DR, CHARLOTTE, NC 28207-2425

Mortgage

Document Number	0024120612
Date	Jan 09, 2026
Book Page	2412/612

Lender

Name	UBS BANK USA
Type	Bank
Address	95 S STATE ST STE 2200, SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 01, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	Other
Margin	3
Max Rate	15.1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	184 E VALLEY DR, SAPPHIRE, NC 28774
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2111 HASTINGS DR, CHARLOTTE, NC 28207-2425

Mortgage

Document Number	0023640934
Date	Oct 02, 2023
Book Page	2364/934

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Oct 01, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Nov 14, 2022
Property Address	184 E VALLEY DR, SAPPHIRE, NC 28774
Document Number	0023461213
Book / Page	2346 / 1213
Map Reference	CAB 25 SL 400
Instrument Date	Nov 14, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Tax	$1,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3269, CASHIERS, NC 28717-3269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2111 HASTINGS DR, CHARLOTTE, NC 28207-2425

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 09, 2022
Property Address	184 E VALLEY DR, SAPPHIRE, NC 28774
Document Number	0023361394
Book / Page	2336 / 1394
Map Reference	CAB 25 SL 400
Instrument Date	Jun 09, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 FAIRSTED DR, ASHEVILLE, NC 28803-8838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3269, CASHIERS, NC 28717-3269

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated January 1, 2023 · Last verified August 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2023	$2,280.00	$600,000 Land $600,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Starlink Satellite	280 / 30

Based on FCC filings for 17 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

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