278 Lotmore Rd, Sylva, NC 28779 Property Records

Jackson County property record for 278 Lotmore Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,375 sqft · built 1977
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jul 2022)
Tax Bill	$1,256 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7610-96-1319`

Property Details

APN / Parcel Number

Primary APN	`7610-96-1319`
Alternative APN	`9782`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,375 sqft Heated Area
1st Floor Area	950 sqft
Upper Floors Area	950 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft
Flooring	Carpet
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	190 sqft
Patio Area	532 sqft
Storage Building	726 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	278 LOTMORE RD
City	SYLVA
State	NC
Zip	28779-7431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF PEE WEE BRANCH RD
Legal Subdivision	PLAT PREPARED FOR JESSICA LYNN MORGAN
Jurisdiction	JACKSON NC
Township / Civil Division	GREENS CREEK
Census Block Group	2
Census Block	2003
Census Tract	950500

Owner

278 Lotmore Rd is owned and occupied by an individual who bought it in July 2022.

Source: Jackson County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	278 LOTMORE RD, SYLVA, NC 28779-7431
Occupancy	Owner Occupied
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
Jul 14, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 8, 2022	Executor's Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on File
Deed Sale	Jul 8, 2022 · Amount on File
Deed Book / Page	2338 / 1230
Prior Transfer Date	May 12, 2012
Prior Transfer Doc	0019400599
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	278 LOTMORE RD, SYLVA, NC 28779-7431
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023590935
Date	Jul 14, 2023
Book Page	2359/935

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 8, 2022
Property Address	278 LOTMORE RD, SYLVA, NC 28779-7431
Document Number	0023381230
Book / Page	2338 / 1230
Map Reference	CAB 25 SL 595
Instrument Date	Jul 1, 2022
Transaction Type	Transfer
Record Updated	Jul 20, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9334 LAKE DR, 9334, MYRTLE BEACH, SC 29572-5006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 LOTMORE RD, SYLVA, NC 28779-7431

Mortgage

Document Number	0023381235
Date	Jul 8, 2022
Instrument	2338/1235

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.9%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.9%
Index	5-Year CMT
Max Rate	9.99%

Tax Assessment & Valuation

The 2025 property tax bill for 278 Lotmore Rd was $1,256.

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		$330,779 Land $108,240 Building $222,539
2025	$1,256.00
2023	$820.00	$215,830 Land $70,620 Building $145,210

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 278 Lotmore Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2013–2021)
Most Recent Claim	Mar 2021 · other causes

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 278 Lotmore Rd is moderate, ranking above 60% 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 60% of the US · above 83% of North Carolina
Wildfire Likelihood	0.2% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Sky Fi Fixed Wireless	10 / 1

Cell Coverage

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

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