220 Summit Ridge Rd, Sapphire, NC 28774 Property Records

Transylvania County property record for 220 Summit Ridge Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,220 sqft · built 1994
Lot Size	2.06 acres (89,627 sqft)
Owner	Trust Name on File
Last Sale	$450,000 (Jun 2020)
Tax Bill	$4,227 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`8512-19-6373-000`

Property Details

APN / Parcel Number

Primary APN	`8512-19-6373-000`
Alternative APN	`70510330`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,220 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	89,627 sqft (2.06 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70510330
Street Address	SUMMIT RIDGE RD
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P 4 L023 REV GRAY FOX R
Legal Subdivision	TOXAWAY MOUNTAIN SUBDIVISION
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1027
Census Tract	960602

Owner

220 Summit Ridge Rd is held in a trust since June 2020.

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

Owner of Record	Trust Name on File
Mailing Address	PO BOX 122, SOPCHOPPY, FL 32358-0122
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
Aug 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 15, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Deed Document Number	20203016
Deed Book / Page	925 / 109
Prior Transfer Date	Jul 15, 2008
Prior Transfer Doc	0004660610
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	SUMMITT RIDGE RD, SAPPHIRE, NC 28774
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	FIRST SOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008130001
Date	Aug 1, 2017
Book Page	813/001
Instrument	2017003986

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Jun 15, 2020
Property Address	SUMMITT RIDGE RD, SAPPHIRE, NC 28774
Document Number	0009250109
Book / Page	000925 / 000109
Instrument Date	Jun 5, 2020
Instrument	3016
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 122 ST TERESA FL 323580122, ST TERESA, FL 32358-0122

Tax Assessment & Valuation

The 2026 property tax bill for 220 Summit Ridge Rd was $4,227.

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	$4,227.00	$879,810 (-) Land $224,720 Building $655,090	$879,810 (-) Land $224,720 Building $655,090
2025	$4,227.00	$879,810 Land $224,720 Building $655,090	$879,810 Land $224,720 Building $655,090
2023	$2,994.00	$454,840 Land $200,000 Building $254,840	$454,840 Land $200,000 Building $254,840

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

Flood

FEMA maps place 220 Summit Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2021 · Remnants Of Tropical Storm Fred

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 220 Summit Ridge Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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