233 Narrows Rd, Sapphire, NC 28774 Property Records

Jackson County property record for 233 Narrows Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,880 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (Sep 2026)
Tax Bill	$1,640 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`8502-11-9380`

Property Details

APN / Parcel Number

Primary APN	`8502-11-9380`
Alternative APN	`178506`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,880 sqft Heated Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Finished Basement	1,440 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	132 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	233 NARROWS RD
City	SAPPHIRE
State	NC
Zip	28774-7664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 76 UN 2 HOLLY FOREST
Legal Subdivision	UNIT II HOLLY FOREST
Legal Lot Number	76
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11030 OAK WAY CIR, PALM BEACH GARDENS, FL 33410-3314
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Book / Page	2429 / 1
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 24, 2026
Property Address	233 NARROWS RD, SAPPHIRE, NC 28774-7664
Document Number	2429000001
Book / Page	2429 / 1
Instrument Date	Sep 24, 2026
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11030 OAK WAY CIR, PALM BEACH GARDENS, FL 33410-3314

Mortgage

Document Number	2429000004,
Date	Sep 24, 2026
Book Page	2429/4

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 11, 2018
Property Address	233 NARROWS RD, SAPPHIRE, NC 28774-7664
Document Number	0022210202
Book / Page	2221 / 202
Instrument Date	Sep 4, 2018
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
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	PO BOX 9122, SAVANNAH, GA 31412-9122

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		$431,609 (-) Land $25,000 Building $406,609
2025	$1,640.00 (+68.55%)	$431,609 (+68.47%) Land $25,000 Building $406,609
2023	$973.00	$256,190 Land $25,000 Building $231,190

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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