197 Laurel Dr, Sapphire, NC 28774 Property Records

Jackson County property record for 197 Laurel Dr, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 2013
Lot Size	1 acres (43,560 sqft)
Owner	2 Trust Names on File
Last Sale	$545,000 (Apr 2024)
Tax Bill	$2,035 (2025)
Deeds & Mortgages	Apr 2024 Sale Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`8502-01-7223`

Property Details

APN / Parcel Number

Primary APN	`8502-01-7223`
Alternative APN	`182939`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	216 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	197 LAUREL DR
City	SAPPHIRE
State	NC
Zip	28774-9698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 18 UN 2 HOLLY FOREST
Legal Subdivision	HOLLY FOREST
Legal Lot Number	18
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	2
Census Block	2002
Census Tract	950900

Owner

197 Laurel Dr is held in a trust since December 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	4837 PRINCESS ANNE LN, JACKSONVILLE, FL 32210-7530
Owner Type	Individual
Vesting	Trust

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
Apr 1, 2024	Warranty Deed, Transfer
Feb 7, 2023	Intrafamily Transfer, Transfer
Oct 19, 2022	Warranty Deed, Transfer
Apr 20, 2017	Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK
Jan 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage ENTEGRA BANK
Jun 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ANGEL OAK MORTGAGE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Oct 19, 2022 · Amount on File
Deed Book / Page	2374 / 1362
Last Transfer Date	Dec 13, 2024
Transfer Doc	0023891470
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 1, 2024
Property Address	197 LAUREL DR, SAPPHIRE, NC 28774-9698
Document Number	0023741362
Book / Page	2374 / 1362
Map Reference	CAB 26 SL 607
Instrument Date	Apr 1, 2024
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount on Record
Tax	$1,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1624 SEMINOLE DR, SARASOTA, FL 34239-3737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4837 PRINCESS ANNE LN, JACKSONVILLE, FL 32210-7530

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON NC
Recording Date	Feb 7, 2023
Property Address	197 LAUREL DR, SAPPHIRE, NC 28774-9698
Document Number	0023501689
Book / Page	2350 / 1689
Map Reference	CAB 19 SL 875
Instrument Date	Feb 7, 2023
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1624 SEMINOLE DR, SARASOTA, FL 34239-3737

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1624 SEMINOLE DR, SARASOTA, FL 34239-3737

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Oct 19, 2022
Property Address	197 LAUREL DR, SAPPHIRE, NC 28774-9698
Document Number	0023441838
Book / Page	2344 / 1838
Map Reference	CAB 19 SL 875
Instrument Date	Oct 19, 2022
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1624 SEMINOLE DR, SARASOTA, FL 34239-3737

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	197 LAUREL DR, SAPPHIRE, NC 28774-9698
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021870755
Date	Apr 20, 2017
Book Page	2187/755

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	May 9, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	197 LAUREL DR, SAPPHIRE, NC 28774-9698
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022041757
Date	Jan 4, 2018
Book Page	2204/1757

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 20, 2019
Property Address	197 LAUREL DR, SAPPHIRE, NC 28774-9698
Document Number	0022410057
Book / Page	2241 / 57
Instrument Date	Jun 20, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1633 STEWART AVE SE, ROANOKE, VA 24013-1625

Mortgage

Document Number	224160
Date	Jun 20, 2019
Instrument	2241/60

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.7%
Type Change Date	Jul 1, 2024
Max Rate At Change	4%

Mortgage

Document Number	0022410057
Date	Jun 20, 2019
Book Page	2241/57

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.7%
Type Change Date	Jul 1, 2024
Index	1-Year CMT
Margin	4

Tax Assessment & Valuation

The 2025 property tax bill for 197 Laurel Dr was $2,035.

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		$535,525 (-) Land $25,000 Building $510,525
2025	$2,035.00	$535,525 Land $25,000 Building $510,525
2023	$1,262.00	$332,270 Land $25,000 Building $307,270

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

Flood

FEMA maps place 197 Laurel Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1994.

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
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	7 (1994–2024)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

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 197 Laurel Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Comporium, T-Mobile, Verizon, Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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