225 Earls Rd, Bryson City, NC 28713 Property Records

Swain County property record for 225 Earls Rd, Bryson City, NC 28713

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,337 sqft · built 1965
Lot Size	1.31 acres (57,194 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,403 (2026)
Deeds & Mortgages	May 2017 Line of Credit Sep 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`667203207548`

Property Details

APN / Parcel Number

Primary APN	`667203207548`
Alternative APN	`540380`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,337 sqft Heated Area
Gross Area	1,564 sqft
Flooring	Hardwood
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,194 sqft (1.31 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Account Number	540380
Street Address	225 EARLS RD
City	BRYSON CITY
State	NC
Zip	28713-5634
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	20-OR-1232-ALARKA
Legal Subdivision	ALARKA
Jurisdiction	SWAIN NC
Township / Civil Division	CHARLESTON
Census Block Group	1
Census Block	1108
Census Tract	960302

Owner

Source: Swain County records, as of July 30, 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	225 EARLS RD, BRYSON CITY, NC 28713-5634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 30, 2019	Deed of Trust, Mortgage · Construction Mortgage ENTEGRA BANK
Jan 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 21, 2021
Transfer Doc	487/131
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	225 EARLS RD, BRYSON CITY, NC 28713-5634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00448/0495
Date	May 4, 2017
Book Page	00448/0495
Instrument	00741

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BRYSON CITY, NC 28713

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	225 EARLS RD, BRYSON CITY, NC 28713-5634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00471/0611
Date	Sep 30, 2019
Book Page	00471/0611
Instrument	01653

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	8%

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SWAIN NC
Recording Date	Jan 27, 2021
Property Address	225 EARLS RD, BRYSON CITY, NC 28713-5634
Document Number	487/131
Book / Page	487 / 131
Instrument Date	Jan 21, 2021
Instrument	198
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 EARLS RD, 321, BRYSON CITY, NC 28713-5635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 EARLS RD, BRYSON CITY, NC 28713-5634

Mortgage

Document Number	199
Date	Jan 27, 2021
Instrument	199

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

Tax Assessment & Valuation

Source: Swain County assessment roll, as of July 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,403.00	$530,230 (-) Land $32,360 Building $497,870
2025	$2,403.00 (+12.39%)	$530,230 (-) Land $32,360 Building $497,870	$530,230 (-) Land $32,360 Building $497,870
2023	$2,138.00 Additional exemption filed	$530,230 Land $32,360 Building $497,870	$530,230 Land $32,360 Building $497,870

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · 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 18 individual policies
Nearby Flood Policies	24 units insured incl. 6 condo units
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Ivan

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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.2% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable	1,000 / 25
Starlink Satellite	280 / 30

Cell Coverage

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

Nearby Properties on Earls Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures