2749 Upper Whitewater Rd, Sapphire, NC 28774 Property Records

Transylvania County property record for 2749 Upper Whitewater Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,434 sqft · built 2022
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,000 (Jan 2021)
Tax Bill	$5,413 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Mar 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8501-17-3495-000`

Property Details

APN / Parcel Number

Primary APN	`8501-17-3495-000`
Alternative APN	`70526120`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,434 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Shingles
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	40,946 sqft (0.94 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	70526120
Street Address	2749 UPPER WHITEWATER RD
City	SAPPHIRE
State	NC
Zip	28774-9813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P1REV L126 WHISPER LAKE .94
Legal Subdivision	WHISPER LAKE SUBDIVISION
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1043
Census Tract	960601

Owner

Source: Transylvania 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	2749 UPPER WHITEWATER RD, SAPPHIRE, NC 28774-9813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK
Mar 31, 2021	Deed of Trust, Mortgage · Construction Mortgage INTERCOASTAL MORTGAGE
Jan 19, 2021	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on Record
Deed Sale	Jan 19, 2021 · Amount on Record
Prior Sale	Jul 9, 2012 · Amount on Record
Deed Document Number	2021409
Deed Book / Page	961 / 53
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	2749 UPPER WHITEWATER RD, SAPPHIRE, NC 28774-9813
Transaction Type	Mortgage
Record Updated	Sep 18, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2749 UPPER WHITEWATER RD, SAPPHIRE, NC 28774-9813

Mortgage

Document Number	0010860108
Date	Jul 25, 2023
Book Page	1086/108
Instrument	2023003579

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	2749 UPPER WHITEWATER RD, SAPPHIRE, NC 28774-9813
Transaction Type	Mortgage
Record Updated	Sep 18, 2023
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5082 NW 51ST AVE, COCONUT CREEK, FL 33073-4925

Mortgage

Document Number	0009740724
Date	Mar 31, 2021
Book Page	974/724
Instrument	2021002538

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 1, 2022

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Jan 19, 2021
Property Address	2749 UPPER WHITEWATER RD, SAPPHIRE, NC 28774-9813
Document Number	0009610053
Book / Page	000961 / 000053
Instrument Date	Jan 19, 2021
Instrument	409
Transaction Type	Transfer
Record Updated	Jan 29, 2021
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	5082 NW 52ST AVE COCONUT CREEK FL 33073, COCONUT CREEK, FL 33073

Tax Assessment & Valuation

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,413.00 (+127.53%)	$1,126,570 (+211.71%) Land $50,000 Building $1,076,570	$1,126,570 (+211.71%) Land $50,000 Building $1,076,570
2023	$2,379.00	$361,420 Land $15,000 Building $346,420	$361,420 Land $15,000 Building $346,420

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 June 26, 2017 · 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
Nearby Flood Policies	4 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 44% of the US · above 65% 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

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

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