20 Pine Cone Ct, Sapphire, NC 28774 Property Records

Transylvania County property record for 20 Pine Cone Ct, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,400 sqft · built 2007
Lot Size	0.49 acres (21,461 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jun 2008)
Tax Bill	$2,977 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8501-36-0336-000`

Property Details

APN / Parcel Number

Primary APN	`8501-36-0336-000`
Alternative APN	`70330890`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,400 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	21,461 sqft (0.49 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70330890
Street Address	20 PINE CONE CT
City	SAPPHIRE
State	NC
Zip	28774-4500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P3 L279 WHISPER WINDS
Legal Subdivision	WHISPER LAKE SUBDIVISION
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1029
Census Tract	960601

Owner

20 Pine Cone Ct is owned and occupied by two individuals who acquired it in May 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 PINE CONE CT, SAPPHIRE, NC 28774-4500
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
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 13, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2008 · Amount on File
Deed Sale	Jun 23, 2008 · Amount on File
Deed Document Number	20083825
Last Transfer Date	May 20, 2011
Transfer Doc	0005750392
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	20 PINE CONE CT, SAPPHIRE, NC 28774-4500
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009590505
Date	Jan 8, 2021
Book Page	959/505
Instrument	2021000183

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	20 PINE CONE CT, SAPPHIRE, NC 28774-4500
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009040373
Date	Dec 13, 2019
Book Page	904/373
Instrument	2019006602

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BREVARD, NC 28712

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	20 PINE CONE CT, SAPPHIRE, NC 28774-4500
Document Number	0008040542
Book / Page	000804 / 000542
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 7, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 PINE CONE CT SAPPHIRE NC 287744500, SAPPHIRE, NC 28774-4500

Mortgage

Document Number	0008040542
Date	May 18, 2017
Book Page	000804/000542
Instrument	2541

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 20 Pine Cone Ct was $2,977.

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Transylvania County
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,977.00	$619,660 Land $40,000 Building $579,660	$619,660 Land $40,000 Building $579,660
2023	$2,210.00	$335,810 Land $50,000 Building $285,810	$335,810 Land $50,000 Building $285,810

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Pine Cone Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 26, 2017 · 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	4 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 Pine Cone Ct is moderate, ranking above 40% of the US, with a 0.07% 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	0.07% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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