221 Narrows Rd, Sapphire, NC 28774 Property Records

Jackson County property record for 221 Narrows Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,011 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jul 2021)
Tax Bill	$2,022 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`8502-11-9442`

Property Details

APN / Parcel Number

Primary APN	`8502-11-9442`
Alternative APN	`77525`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,011 sqft Heated Area
1st Floor Area	2,011 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	242 sqft
Carport	Carport
Carport Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	290 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 NARROWS RD
City	SAPPHIRE
State	NC
Zip	28774-7664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 75 UN 2 HOLLY FOREST
Legal Subdivision	HOLLY FOREST
Legal Lot Number	75
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	2
Census Block	2001
Census Tract	950900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	269 HAMPTON TER NE, ATLANTA, GA 30307-2317
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 4, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Deed Book / Page	2306 / 1417
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 2, 2021
Property Address	221 NARROWS RD, SAPPHIRE, NC 28774-7664
Document Number	0023061417
Book / Page	2306 / 1417
Map Reference	CAB 24 SL 831
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Jul 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1463 BENJAMIN CT SW, 1463, MARIETTA, GA 30064-3794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	269 HAMPTON TER NE, ATLANTA, GA 30307-2317

Mortgage

Document Number	23061422
Date	Jul 2, 2021
Instrument	2306/1422

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Dec 4, 2020
Property Address	221 NARROWS RD, SAPPHIRE, NC 28774-7664
Document Number	0022850426
Book / Page	002285 / 000426
Instrument Date	Nov 30, 2020
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 NARROWS RD SAPPHIRE NC 287747664, SAPPHIRE, NC 28774-7664

Tax Assessment & Valuation

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		$532,255 (+75.64%) Land $25,000 Building $507,255
2025	$2,022.00 (+75.67%)
2023	$1,151.00	$303,040 Land $25,000 Building $278,040

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

Flood

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 Record 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

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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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