38 Ridgeway St, Sylva, NC 28779 Property Records

Jackson County property record for 38 Ridgeway St, Sylva, NC 28779 · Last verified August 2023

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,626 sqft · built 1914
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Aug 2022)
Tax Bill	$1,225 (2023)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7631-97-6496`

Property Details

APN / Parcel Number

Primary APN	`7631-97-6496`
Alternative APN	`182783`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,626 sqft Heated Area
Gross Area	2,806 sqft
1st Floor Area	1,996 sqft
Upper Floors Area	810 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1970
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	348 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	182783
Street Address	38 RIDGEWAY ST
City	SYLVA
State	NC
Zip	28779-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEWAY ST
Legal Township	28
Legal Subdivision	COURTLAND HEIGHTS
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	3
Census Block	3006
Census Tract	950400

Owner

Source: Jackson County records · APN 7631-97-6496

Assessment roll updated January 1, 2023 · Last verified August 2023

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
Co-owner	Verified Secondary Owner
Mailing Address	72 RIDGEWAY ST, SYLVA, NC 28779-2946
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CU
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
May 24, 2019	Warranty Deed, Transfer · Stand-Alone Refinance ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2022 · Amount on Record
Deed Sale	Aug 25, 2022 · Amount on Record
Prior Sale	May 24, 2019 · Amount on Record
Deed Document Number	0023411408
Deed Book / Page	2341 / 1408
Record Updated	Jun 07, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 25, 2022
Property Address	38 RIDGEWAY ST, SYLVA, NC 28779-2946
Document Number	0023411408
Book / Page	2341 / 1408
Map Reference	MB 68 PG 171
Instrument Date	Aug 24, 2022
Transaction Type	Transfer
Record Updated	Sep 08, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2356 27TH AVE, 2356, VERO BEACH, FL 32960-2907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 RIDGEWAY ST, SYLVA, NC 28779-2946

Mortgage

Document Number	0023411411
Date	Aug 25, 2022
Instrument	2341/1411

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	38 RIDGEWAY ST, SYLVA, NC 28779-2946
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023030562
Date	May 28, 2021
Book Page	2303/562

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 24, 2019
Property Address	38 RIDGEWAY ST, SYLVA, NC 28779-2946
Document Number	0022381589
Book / Page	2238 / 1589
Instrument Date	May 20, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	38 RIDGEWAY ST, SYLVA, NC 28779-2946

Mortgage

Document Number	0022381592
Date	May 24, 2019
Book Page	2238/1592

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated January 1, 2023 · Last verified August 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Municipality	Sylva Town
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
2023	$1,225.00	$322,510 Land $44,350 Building $278,160

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (37099C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370999504003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024, other causes, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 2 claims

Wildfire

Wildfire Risk	Low above 35% of the US · above 49% of North Carolina
Wildfire Likelihood	About 1 in 2,174 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 131 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Cable	940 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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