20 Granite Rock Rd, Sylva, NC 28779 Property Records

Jackson County property record for 20 Granite Rock Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$181,000 (Mar 2019)
Tax Bill	$1,546 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`7683-04-3532`

Property Details

APN / Parcel Number

Primary APN	`7683-04-3532`
Alternative APN	`182514`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,824 sqft Heated Area
1st Floor Area	1,192 sqft
Upper Floors Area	632 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	56 sqft
Patio Area	821 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 GRANITE ROCK RD
City	SYLVA
State	NC
Zip	28779-6138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 DARK RIDGE RD
Legal Subdivision	SURVEY FOR RONALD COGGINS
Legal Lot Number	2
Jurisdiction	JACKSON NC
Township / Civil Division	SCOTT CREEK
Census Block Group	1
Census Block	1016
Census Tract	950200

Owner

20 Granite Rock Rd is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 GRANITE ROCK RD, SYLVA, NC 28779-6138
Occupancy	Owner Occupied
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
Mar 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 29, 2019	Warranty Deed, Transfer · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on File
Deed Sale	Mar 29, 2019 · Amount on File
Prior Sale	Mar 12, 2010 · Amount on File
Deed Book / Page	2234 / 802
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	20 GRANITE ROCK RD, SYLVA, NC 28779-6138
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GRANITE ROCK RD, SYLVA, NC 28779-6138

Mortgage

Document Number	0024161132
Date	Mar 20, 2026
Book Page	2416/1132

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year CMT
Margin	2
Max Rate	11.3%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 29, 2019
Property Address	20 GRANITE ROCK RD, SYLVA, NC 28779-6138
Document Number	0022340802
Book / Page	2234 / 802
Instrument Date	Mar 26, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	20 GRANITE ROCK RD, SYLVA, NC 28779-6138

Mortgage

Document Number	0022340807
Date	Mar 29, 2019
Book Page	2234/807

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20 Granite Rock Rd was $1,546.

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		$406,887 (-) Land $32,820 Building $374,067
2025	$1,546.00	$406,887 Land $32,820 Building $374,067
2023	$930.00	$244,870 Land $29,740 Building $215,130

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

Flood

FEMA maps place 20 Granite Rock Rd in Zone X, an area of minimal flood risk.

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	3 in force

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 20 Granite Rock Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 39 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: T-Mobile.

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