406 Hillcrest St, Sylva, NC 28779 Property Records

Jackson County property record for 406 Hillcrest St, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,098 sqft · built 1965
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$1,002 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7641-89-8822`

Property Details

APN / Parcel Number

Primary APN	`7641-89-8822`
Alternative APN	`131651`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,098 sqft Heated Area
1st Floor Area	1,098 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	406 HILLCREST ST
City	SYLVA
State	NC
Zip	28779-5193
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ST
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	1
Census Block	1008
Census Tract	950300

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	Individual Name on Record
Mailing Address	PO BOX 132, CULLOWHEE, NC 28723-0132
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	406 HILLCREST ST, SYLVA, NC 28779-5193
Transaction Type	Mortgage
Record Updated	Jan 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HILLCREST ST, SYLVA, NC 28779-5193

Mortgage

Document Number	0023491805
Date	Jan 17, 2023
Book Page	2349/1805

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	SYLVA, NC 28779

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 21, 2037

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	406 HILLCREST ST, SYLVA, NC 28779-5193
Document Number	0022190658
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HILLCREST ST SYLVA NC 287795193, SYLVA, NC 28779-5193

Mortgage

Document Number	0022190658
Date	Aug 10, 2018
Book Page	002219/000658

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	SLYVA, NC 28779

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 9, 2043

Interest

Rate Type	Adjustable Rate

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		$263,694 (+58.71%) Land $59,510 Building $204,184
2025	$1,002.00 (+58.8%)
2023	$631.00	$166,150 Land $44,640 Building $121,510

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
Nearby Flood Policies	4 in force

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 54% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	MORNINGSTAR ASSISTED LIVING OF SYLVA private · serves 80 people · EPA ID NC0150157
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: Verizon.

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