187 Turtle Creek Rd, Sylva, NC 28779 Property Records

Jackson County property record for 187 Turtle Creek Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,996 sqft · built 1995
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$471,000 (Mar 2026)
Tax Bill	$1,951 (2025)
Deeds & Mortgages	Jun 2024 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7529-92-6638`

Property Details

APN / Parcel Number

Primary APN	`7529-92-6638`
Alternative APN	`36999`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,996 sqft Heated Area
1st Floor Area	1,813 sqft
Basement Area	1,830 sqft
Unfinished Basement	1,813 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	261,360 sqft (6 acres)
Garage Type	Carport
Garage Area	550 sqft
Carport	Carport
Carport Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	184 sqft
Deck Area	480 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	187 TURTLE CREEK RD
City	SYLVA
State	NC
Zip	28779-7325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURTLE CREEK
Legal Subdivision	TURTLE CREEK
Jurisdiction	JACKSON NC
Township / Civil Division	SAVANNAH
Census Block Group	1
Census Block	1043
Census Tract	950500

Owner

Source: Jackson 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	2 Individual Names on Record
Mailing Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 24, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 3, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Feb 3, 2022 · Amount on Record
Deed Book / Page	2416 / 1398
Prior Transfer Date	Aug 4, 2025
Prior Transfer Doc	0024021187
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023781748
Date	Jun 10, 2024
Book Page	2378/1748

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 24, 2026
Property Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325
Document Number	0024161398
Book / Page	2416 / 1398
Map Reference	CAB 2 SL 454
Instrument Date	Mar 20, 2026
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$942.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325

Mortgage

Document Number	0024161402
Date	Mar 24, 2026
Instrument	2416/1402

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Feb 3, 2022
Property Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325
Document Number	0023260856
Book / Page	2326 / 856
Map Reference	CAB 2 SL 454
Instrument Date	Feb 1, 2022
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 TURTLE CREEK RD, SYLVA, NC 28779-7325

Mortgage

Document Number	0002326864
Date	Feb 3, 2022
Instrument	2326/864

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Mar 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

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		$513,672 (-) Land $90,240 Building $423,432
2025	$1,951.00 (+41.48%)	$513,672 (+41.46%) Land $90,240 Building $423,432
2023	$1,379.00	$363,110 Land $97,620 Building $265,490

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Mar 2021 · other causes

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	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	45 / 3

May also be available: Sky Fi, Spectrum, T-Mobile.

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