197 Scotch Highlands Loop, Sapphire, NC 28774 Property Records

Jackson County property record for 197 Scotch Highlands Loop, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,494 sqft · built 2005
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Sep 2023)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Oct 2021 Sale Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`7582-76-8486`

Property Details

APN / Parcel Number

Primary APN	`7582-76-8486`
Alternative APN	`131200`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,494 sqft Heated Area
1st Floor Area	1,247 sqft
Basement Area	1,247 sqft
Finished Basement	1,247 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Exterior Amenities

Porch	Patio
Porch Area	222 sqft
Deck Area	516 sqft
Patio Area	1,200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	197 SCOTCH HIGHLANDS LOOP
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 MOUNTAIN CLUB
Legal Subdivision	MOUNTAIN CLUB
Legal Lot Number	3
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1090
Census Tract	950900

Owner

197 Scotch Highlands Loop is owned by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	32 LINDEN PARK RD, BLUFFTON, SC 29910-6978
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 20, 2021	Warranty Deed, Transfer
Jan 14, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Prior Sale	Oct 13, 2005 · Amount on File
Deed Book / Page	2363 / 1758
Prior Transfer Date	Jun 15, 2017
Prior Transfer Doc	0021901740
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Oct 20, 2021
Property Address	197 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0023170587
Book / Page	2317 / 587
Map Reference	CAB 13 SL 772
Instrument Date	Oct 19, 2021
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 BRIDLE CREEK DR, 200, CARY, NC 27513-3467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5894 ROLLING OAKS CT, NAPLES, FL 34110-2303
Investor	Possibly a Property Investor

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Jan 14, 2021
Property Address	197 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0022891008
Book / Page	002289 / 001008
Instrument Date	Jan 7, 2021
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	200 BRIDLE CREEK DR CARY NC 275133467, CARY, NC 27513-3467

Tax Assessment & Valuation

The 2025 property tax bill for 197 Scotch Highlands Loop was $3,124.

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		$822,157 (-) Land $100,000 Building $722,157
2025	$3,124.00	$822,157 Land $100,000 Building $722,157
2023	$1,571.00	$413,420 Land $75,000 Building $338,420

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

Flood

FEMA maps place 197 Scotch Highlands Loop in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.

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 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

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 Scotch Highlands Loop 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAIRFIELD SAPPHIRE private · serves 3,873 people · EPA ID NC0150113
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2017–2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Uranium resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50

May also be available: Skyrunner.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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