351 Summit Ridge Rd, Sapphire, NC 28774 Property Records

Transylvania County property record for 351 Summit Ridge Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,447 sqft · built 1994
Lot Size	1.25 acres (54,318 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Dec 2017)
Tax Bill	$4,853 (2026)
Deeds & Mortgages	Apr 2023 Transfer Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8512-19-9072-000`

Property Details

APN / Parcel Number

Primary APN	`8512-19-9072-000`
Alternative APNs	`70471170` `70580940`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	3,447 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	54,318 sqft (1.25 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	70580940
Street Address	SUMMIT RIDGE RD
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P4 L10 SUMMIT RIDGE RD
Legal Subdivision	RIDGE RD
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1027
Census Tract	960602

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	300 N LAKE SYBELIA DR, MAITLAND, FL 32751-4720
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Intrafamily Transfer, Transfer
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L
Dec 21, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2017 · Amount on File
Deed Sale	Dec 21, 2017 · Amount on File
Prior Sale	May 1, 2000
Deed Document Number	20176717
Deed Book / Page	828 / 218
Last Transfer Date	Mar 7, 2023
Transfer Doc	0000002013
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TRANSYLVANIA NC
Recording Date	Apr 26, 2023
Property Address	SUMMIT RIDGE RD, SAPPHIRE, NC 28774
Document Number	0010760456
Book / Page	1076 / 456
Map Reference	FILE 4 SL 131
Instrument Date	Mar 17, 2023
Instrument	2023002013
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 N LAKE SYBELIA DR, MAITLAND, FL 32751-4720

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	300 N LAKE SYBELIA DR, MAITLAND, FL 32751-4720

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	SUMMIT RIDGE RD, SAPPHIRE, NC 28774
Document Number	0000000481
Instrument Date	Jan 24, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	351 SUMMIT RIDGE RD LAKE TOXAWAY NC 287478606, LAKE TOXAWAY, NC 28747-8606

Mortgage

Document Number	0000000481
Date	Jan 29, 2018
Instrument	481

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 28, 2033

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Dec 21, 2017
Property Address	SUMMIT RIDGE RD, SAPPHIRE, NC 28774
Document Number	0008280218
Book / Page	000828 / 000218
Instrument Date	Dec 14, 2017
Instrument	6717
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	300 N LAKE SYBERIA DR MAITLAND FL 32751, MAITLAND, FL 32751

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	$4,853.00 (+29.86%)	$1,010,010 (+77.88%) Land $275,000 Building $735,010	$1,010,010 (+77.88%) Land $275,000 Building $735,010
2023	$3,737.00	$567,800 Land $200,000 Building $367,800	$567,800 Land $200,000 Building $367,800

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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2021 · Remnants Of Tropical Storm Fred

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 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200

May also be available: T-Mobile, Verizon.

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