294 Needlepine Ln, Sapphire, NC 28774 Property Records

Jackson County property record for 294 Needlepine Ln, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 2001
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Aug 2021)
Tax Bill	$3,012 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7582-83-1801`

Property Details

APN / Parcel Number

Primary APN	`7582-83-1801`
Alternative APN	`28973`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,830 sqft Heated Area
1st Floor Area	1,830 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete
Roof Type	Wood Truss
Roof Material	Wood Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	367 sqft
Deck Area	339 sqft
Patio Area	376 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	294 NEEDLEPINE LN
City	SAPPHIRE
State	NC
Zip	28774-8663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 COUNTRY CLUB EST II
Legal Subdivision	COUNTRY CLUB EST
Legal Lot Number	2
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	2
Census Block	2013
Census Tract	950900

Owner

Source: Jackson County records · APN 7582-83-1801

Assessment roll updated August 8, 2025 · Last verified July 2026

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
Mailing Address	PO BOX 1506, CASHIERS, NC 28717-1506
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Deed Book / Page	2312 / 826
Prior Transfer Date	Oct 27, 2014
Prior Transfer Doc	0020540317
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 27, 2021
Property Address	294 NEEDLEPINE LN, SAPPHIRE, NC 28774-8663
Document Number	0023120826
Book / Page	2312 / 826
Map Reference	CAB 4 SL 820
Instrument Date	Aug 09, 2021
Transaction Type	Transfer
Record Updated	Sep 08, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	294 NEEDLEPINE LN, 294, SAPPHIRE, NC 28774-8663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1506, CASHIERS, NC 28717-1506

Mortgage

Document Number	2312829
Date	Aug 27, 2021
Instrument	2312/829

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated August 8, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$3,012.00 (+62.63%)	$792,718 (+62.63%) Land $250,000 Building $542,718
2023	$1,852.00	$487,440 Land $150,000 Building $337,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	7 (1994–2024)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 82 locations within half a mile of this property.

Cell Coverage

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

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FAIRFIELD SAPPHIRE private · serves 3,873 people
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2017–2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Uranium resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.