294 Thomas Rd, Bryson City, NC 28713 Property Records

Swain County property record for 294 Thomas Rd, Bryson City, NC 28713

Property Summary

Property Type	Rural Home
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Tax Bill	$844 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`667401492380`

Property Details

APN / Parcel Number

Primary APN	`667401492380`
Alternative APN	`533254`

Exterior

Lot Area	28,750 sqft (0.66 acres)

Location & Zoning

Account Number	533254
Street Address	294 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

Source: Swain County records, as of July 30, 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 Record
Mailing Address	PO BOX 1453, BRYSON CITY, NC 28713-1453
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAROLINA FARM CREDIT ACA
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAROLINA FARM CREDIT ACA
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage AAFMAA MORTGAGE LLC
Jul 28, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	294 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00471/0369
Date	Sep 23, 2019
Book Page	00471/0369
Instrument	01609

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	294 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000477/396
Date	Apr 22, 2020
Book Page	477/396
Instrument	666

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Bank
Address	LIBERTY, NC 27298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	294 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000499/462
Date	Oct 18, 2021
Book Page	499/462
Instrument	2610

Lender

Name	AAFMAA MORTGAGE LLC
Type	Mortgage Company
Address	MORRISVILLE, NC 27560

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SWAIN NC
Property Address	294 THOMAS RD, BRYSON CITY, NC 28713-6848
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	NOT AVAILABLE, CLIENTFIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000510/994
Date	Jul 28, 2022
Book Page	510/994
Instrument	1772

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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	$844.00 (+11.79%)	$177,810 (-) Land $41,280 Building $136,530
2025			$177,810 (-) Land $41,280 Building $136,530
2023	$755.00 Additional exemption filed	$177,810 Land $41,280 Building $136,530	$177,810 Land $41,280 Building $136,530

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 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 Record 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

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.

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