401 Scotch Highlands Loop, Sapphire, NC 28774 Property Records

Jackson County property record for 401 Scotch Highlands Loop, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,492 sqft · built 2000
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$71,000 (Jul 2026)
Tax Bill	$2,383 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7582-76-7285`

Property Details

APN / Parcel Number

Primary APN	`7582-76-7285`
Alternative APN	`122762`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,492 sqft Heated Area
1st Floor Area	896 sqft
Upper Floors Area	596 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood Shingle
Roof Type	Wood Truss
Roof Material	Wood Shingle
Lot Area	19,166 sqft (0.44 acres)

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 SCOTCH HIGHLANDS LOOP
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 8 MOUNTAIN CLUB
Legal Subdivision	MOUNTAIN CLUB
Legal Lot Number	8
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1090
Census Tract	950900

Owner

Source: Jackson 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	2 Individual Names on Record
Mailing Address	301 HOLMES AVE NE, 603, HUNTSVILLE, AL 35801-5754
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 12, 2023	Warranty Deed, Transfer
Apr 22, 2022	Warranty Deed, Transfer
Jul 2, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 21, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on Record
Deed Sale	Jul 22, 2026 · Amount on Record
Prior Sale	Sep 16, 2024 · Amount on Record
Deed Book / Page	2424 / 781
Transfer Doc	0016370361
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 22, 2026
Property Address	401 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	2424000781
Book / Page	2424 / 781
Instrument Date	Jul 15, 2026
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$14,342.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	301 HOLMES AVE NE, 603, HUNTSVILLE, AL 35801-5754

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 12, 2023
Property Address	401 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0023630583
Book / Page	2363 / 583
Map Reference	CAB 10 SL 244
Instrument Date	Sep 12, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 386, CASHIERS, NC 28717-0386

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 22, 2022
Property Address	401 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0023321592
Book / Page	2332 / 1592
Map Reference	CAB 10 SL 244
Instrument Date	Apr 11, 2022
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2545 JASMIN COURT #302C302C, 2545, NAPLES, FL 34105

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 2, 2020
Property Address	401 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0022701007
Book / Page	002270 / 001007
Instrument Date	Jul 2, 2020
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$116.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5510 WHITNER DR ATLANTA GA 303274745, ATLANTA, GA 30327-4745

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Feb 21, 2019
Property Address	401 SCOTCH HIGHLANDS LOOP, SAPPHIRE, NC 28774
Document Number	0022320555
Book / Page	002232 / 000555
Instrument Date	Feb 17, 2019
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$153.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4639 BATTERY LN MOUNTAIN BROOK AL 352131809, MOUNTAIN BROOK, AL 35213-1809

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$627,196 (-) Land $100,000 Building $527,196
2025	$2,383.00 (+95.49%)	$627,196 (+95.5%) Land $100,000 Building $527,196
2023	$1,219.00	$320,810 Land $75,000 Building $245,810

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2020–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2022 · rainfall accumulation

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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	FAIRFIELD SAPPHIRE private · serves 3,873 people · EPA ID NC0150113
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

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

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