446 Ridgetop Cir, Whittier, NC 28789 Property Records

Jackson County property record for 446 Ridgetop Cir, Whittier, NC 28789

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,297 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jun 2011)
Tax Bill	$1,960 (2025)
Flood Zone	Zone X (minimal risk)
APN	`7614-60-1556`

Property Details

APN / Parcel Number

Primary APN	`7614-60-1556`
Alternative APN	`163141`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,297 sqft Heated Area
1st Floor Area	816 sqft
Upper Floors Area	481 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Logs
Roof Type	Wood Truss
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	608 sqft
Deck Area	6 sqft
Patio Area	6 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	446 RIDGETOP CIR
City	WHITTIER
State	NC
Zip	28789-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 MOUNTIN VIEW EST
Legal Subdivision	MOUNTIN VIEW EST
Legal Lot Number	6
Jurisdiction	JACKSON NC
Township / Civil Division	QUALLA
Census Block Group	2
Census Block	2012
Census Tract	940200

Owner

446 Ridgetop Cir is owned and occupied by two individuals who acquired it in August 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 RIDGETOP CIR, WHITTIER, NC 28789-1000
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2011 · Amount on File
Deed Sale	Jun 20, 2011 · Amount on File
Deed Book / Page	1897 / 768
Last Transfer Date	Aug 15, 2012
Transfer Doc	0019490130
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 446 Ridgetop Cir was $1,960.

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		$515,896 Land $45,280 Building $470,616
2025	$1,960.00
2023	$1,011.00	$266,090 Land $48,700 Building $217,390

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

Flood

FEMA maps place 446 Ridgetop Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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	3 in force
Nearby Flood Claims	2 (1998–2003)
Most Recent Claim	May 2003 · river or lake flooding

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

Wildfire risk around 446 Ridgetop Cir is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 84% of North Carolina
Wildfire Likelihood	0.2% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30