245 E Valley Dr, Sapphire, NC 28774 Property Records

Jackson County property record for 245 E Valley Dr, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,362 sqft · built 2018
Lot Size	3.22 acres (140,263 sqft)
Owner	Individual Name on File
Last Sale	$2,295,000 (Jun 2020)
Tax Bill	$8,689 (2023)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jun 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7582-67-5574`

Property Details

APN / Parcel Number

Primary APN	`7582-67-5574`
Alternative APN	`179140`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,362 sqft
1st Floor Area	2,140 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Lot Area	140,263 sqft (3.22 acres)
Terrain	Rolling
Garage Area	749 sqft
Porch	Porch
Porch Area	786 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	179140
Street Address	245 E VALLEY DR
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 158 PH 2 LONESOME VALLEY
Legal Township	07
Legal Subdivision	COW ROCK MOUNTAIN INC PH 2
Legal Lot Number	158
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1008
Census Tract	950900

Owner

Source: Jackson County assessment roll, as of January 1, 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	11 VERNON RD NW, ATLANTA, GA 30305-2963
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jun 1, 2020	Warranty Deed, Transfer ATTORNEY ONLY
May 27, 2020	Warranty Deed, Transfer ATTORNEY ONLY
May 15, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Prior Sale	Jun 1, 2020
Deed Document Number	0022691561
Deed Book / Page	2269 / 1561
Record Updated	Jun 7, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 25, 2020
Property Address	245 E VALLEY DR, SAPPHIRE, NC 28774
Document Number	0022691561
Book / Page	2269 / 1561
Map Reference	CAB 17 SL 218
Instrument Date	Jun 25, 2020
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3145, CASHIERS, NC 28717-3145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 VERNON RD NW, ATLANTA, GA 30305-2963

Mortgage

Document Number	0022691564
Date	Jun 25, 2020
Instrument	2269/1564

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	7.25%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 1, 2020
Property Address	245 E VALLEY DR, SAPPHIRE, NC 28774
Document Number	0022671864
Book / Page	002267 / 001864
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3145 CASHIERS NC 287173145, CASHIERS, NC 28717-3145

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 27, 2020
Property Address	245 E VALLEY DR, SAPPHIRE, NC 28774
Document Number	0022670945
Book / Page	002267 / 000945
Instrument Date	May 22, 2020
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7950 JAMES ISLAND TRL JACKSONVILLE FL 322567378, JACKSONVILLE, FL 32256-7378

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 15, 2018
Property Address	245 E VALLEY DR, SAPPHIRE, NC 28774
Document Number	0022140204
Book / Page	002214 / 000204
Instrument Date	May 15, 2018
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX BOX 3145 CASHIERS NC 28717, CASHIERS, NC 28717

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of January 1, 2023

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
2023	$8,689.00	$2,286,720 Land $500,000 Building $1,786,720

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2020–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2022 · rainfall accumulation

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	0.06% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50

May also be available: Skyrunner.

Cell Coverage

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

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