263 Ghost Mountain Rd, Whittier, NC 28789 Property Records

Jackson County property record for 263 Ghost Mountain Rd, Whittier, NC 28789

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,093 sqft · built 1995
Lot Size	7 acres (304,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Nov 2021)
Tax Bill	$2,780 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7612-42-4400`

Property Details

APN / Parcel Number

Primary APN	`7612-42-4400`
Alternative APN	`37302`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,093 sqft Heated Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	304,920 sqft (7 acres)

Exterior Amenities

Porch	Porch
Porch Area	584 sqft
Deck Area	64 sqft
Patio Area	256 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	263 GHOST MOUNTAIN RD
City	WHITTIER
State	NC
Zip	28789-8224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 2 OFF NATIONS CREEK RD
Legal Tract	2
Jurisdiction	JACKSON NC
Township / Civil Division	BARKERS CREEK
Census Block Group	3
Census Block	3028
Census Tract	950500

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	605 NATIONS CREEK RD, WHITTIER, NC 28789-9410
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JACKSON SAVINGS BANK SSB
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage JACKSON SAVINGS BANK SSB
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Nov 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Deed Book / Page	2320 / 1908
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	263 GHOST MOUNTAIN RD, WHITTIER, NC 28789-8224
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023640574
Date	Sep 29, 2023
Book Page	2364/574

Lender

Name	JACKSON SAVINGS BANK SSB
Type	Bank
Address	SYLVA, NC 28779

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Type Change Date	Nov 1, 2028
Change Frequency	5 Years
Min Rate At Change	5.2%
Max Rate At Change	6.2%
Index	5-Year TN
Max Rate	11.2%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	263 GHOST MOUNTAIN RD, WHITTIER, NC 28789-8224
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023531918
Date	Apr 5, 2023
Book Page	2353/1918

Lender

Name	JACKSON SAVINGS BANK SSB
Type	Bank
Address	SYLVA, NC 28779

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	5.45%
Max Rate At Change	6.45%
Index	5-Year TN
Max Rate	11.4%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	263 GHOST MOUNTAIN RD, WHITTIER, NC 28789-8224
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022590869
Date	Jan 21, 2020
Book Page	2259/869

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Nov 30, 2021
Property Address	263 GHOST MOUNTAIN RD, WHITTIER, NC 28789-8224
Document Number	0023201908
Book / Page	2320 / 1908
Instrument Date	Nov 30, 2021
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 MORNING GLORY RD, 50, WHITTIER, NC 28789-9429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 NATIONS CREEK RD, WHITTIER, NC 28789-9410

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		$848,257 (+105.81%) Land $67,310 Building $780,947
2025	$2,780.00 (+77.52%)
2023	$1,566.00	$412,150 Land $79,400 Building $332,750

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 11 policies
Nearby Flood Policies	11 in force

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 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Ghost Mountain Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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