3274 N River Rd, Sylva, NC 28779 Property Records

Jackson County property record for 3274 N River Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,517 sqft · built 1977
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Dec 2019)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7630-97-9061`

Property Details

APN / Parcel Number

Primary APN	`7630-97-9061`
Alternative APN	`179456`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,517 sqft Heated Area
1st Floor Area	2,146 sqft
Basement Area	2,176 sqft
Unfinished Basement	2,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	750 sqft
Deck Area	440 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3274 N RIVER RD
City	SYLVA
State	NC
Zip	28779-6833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR1
Legal Description	TR 2 N RIVER RD
Legal Tract	2
Jurisdiction	JACKSON NC
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2032
Census Tract	950400

Owner

Source: Jackson 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	3274 N RIVER RD, SYLVA, NC 28779-6833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Dec 3, 2019	Warranty Deed, Transfer · Stand-Alone Refinance FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2019 · Amount on Record
Deed Sale	Dec 3, 2019 · Amount on Record
Prior Sale	Jul 27, 2015 · Amount on Record
Deed Book / Page	2255 / 648
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	3274 N RIVER RD, SYLVA, NC 28779-6833
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023741423
Date	Apr 2, 2024
Book Page	2374/1423

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 20, 2021
Property Address	3274 N RIVER RD, SYLVA, NC 28779-6833
Document Number	0023141211
Book / Page	2314 / 1211
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	363 BRUNSWICK RD, WAYNESVILLE, NC 28786-4782

Mortgage

Document Number	0023141215
Date	Sep 20, 2021
Instrument	2314/1215

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Dec 3, 2019
Property Address	3274 N RIVER RD, SYLVA, NC 28779-6833
Document Number	0022550648
Book / Page	2255 / 648
Instrument Date	Nov 25, 2019
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1744 US HIGHWAY 441 S, SYLVA, NC 28779-8466

Mortgage

Document Number	0022550652
Date	Dec 3, 2019
Book Page	2255/652

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$780,613 (+73.94%) Land $312,580 Building $468,033
2025	$2,768.00 (+62.35%)
2023	$1,705.00	$448,790 Land $117,460 Building $331,330

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

Flood

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
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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	17 (1991–2024)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Hurricane Ivan, Sep 2004 · 4 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	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.07% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TUCKASEIGEE WATER & SEWER AUTH serves 7,528 people · EPA ID NC0150035
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Feb 2025 Treatment failure resolved · May 2024
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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