264 Thomas Rd, Bryson City, NC 28713 Property Records

Swain County property record for 264 Thomas Rd, Bryson City, NC 28713

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,517 sqft · built 2013
Lot Size	0.972 acres (42,340 sqft)
Owner	Individual Name on File
Tax Bill	$1,336 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`667401493271`

Property Details

APN / Parcel Number

Primary APN	`667401493271`
Alternative APN	`533255`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,517 sqft Total Area
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,340 sqft (0.972 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	533255
Street Address	264 THOMAS RD
City	BRYSON CITY
State	NC
Zip	28713-6848
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	20-OR-TOOT HOLLOW
Legal Subdivision	TOOT HOLLOW
Jurisdiction	SWAIN NC
Township / Civil Division	CHARLESTON
Census Block Group	2
Census Block	2000
Census Tract	960200

Owner

264 Thomas Rd, a rural home, is owned by an individual who acquired it in March 2011.

Source: Swain County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1453, BRYSON CITY, NC 28713-1453
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed of Trust, Mortgage · Commercial Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC DELAWAR
Mar 27, 2018	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 18, 2011
Transfer Doc	00393/0203
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	264 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00528/1011
Date	Mar 7, 2024
Book Page	528/1011
Instrument	386

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC DELAWAR
Type	Non-Lending Institution
Address	5 BRYANT PARK # 2323, NEW YORK, NY 10018

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	264 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	AMERICA TITLE, AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00456/1061
Date	Mar 27, 2018
Book Page	00456/1061
Instrument	00480

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BRYSON CITY, NC 28713

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	264 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00474/0258
Date	Jan 2, 2020
Book Page	00474/0258
Instrument	00001

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 264 Thomas Rd was $1,336.

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	$1,336.00	$297,920 (-) Land $58,500 Building $239,420
2025	$1,336.00	$297,920 Land $58,500 Building $239,420	$297,920 Land $58,500 Building $239,420
2023	$1,187.00 Additional exemption filed	$297,920 Land $58,500 Building $239,420	$297,920 Land $58,500 Building $239,420

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

Flood

FEMA maps place 264 Thomas Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1994.

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 File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	7 (1994–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 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

Wildfire risk around 264 Thomas Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 88% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable · Fiber in parts of the area	1,000 / 25
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on Thomas Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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