45 Reservoir St, Sylva, NC 28779 Property Records

Jackson County property record for 45 Reservoir St, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1977
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$91,500 (Mar 2018)
Tax Bill	$791 (2025)
Deeds & Mortgages	Apr 2022 Sale Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7631-35-3869`

Property Details

APN / Parcel Number

Primary APN	`7631-35-3869`
Alternative APN	`180632`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Heated Area
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Mobile Home
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Exterior Amenities

Porch	Patio
Porch Area	280 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	45 RESERVOIR ST
City	SYLVA
State	NC
Zip	28779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVOIR ST
Jurisdiction	JACKSON NC
Township / Civil Division	DILLSBORO
Census Block Group	3
Census Block	3024
Census Tract	950400

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	2 Individual Names on Record
Mailing Address	PO BOX 247, DILLSBORO, NC 28725-0247
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Warranty Deed, Transfer
Mar 26, 2018	Warranty Deed, Transfer · Conventional with PMI NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2018 · Amount on Record
Deed Sale	Mar 26, 2018 · Amount on Record
Deed Book / Page	2209 / 1939
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 22, 2022
Property Address	45 RESERVOIR ST, SYLVA, NC 28779
Document Number	0023321595
Book / Page	2332 / 1595
Map Reference	CAB 22 SL 593
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1026, DILLSBORO, NC 28725-1026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 MITCHELL ST, HILLSBOROUGH, NC 27278-2129

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 26, 2018
Property Address	45 RESERVOIR ST, SYLVA, NC 28779
Document Number	0022091939
Book / Page	002209 / 001939
Instrument Date	Mar 16, 2018
Transaction Type	Transfer
Record Updated	Apr 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RESERVOIR ST DILLSBORO NC 28725, DILLSBORO, NC 28725

Mortgage

Document Number	22091942
Date	Mar 26, 2018
Book Page	002209/001942

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 25, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$208,331 (+50.38%) Land $22,180 Building $186,151
2025	$791.00 (+50.38%)
2023	$526.00	$138,540 Land $27,320 Building $111,220

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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
Also Mapped Here	TUCKASEIGEE WATER & SEWER AUTH
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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: BalsamWest FiberNET, Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

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