46 Fargo Ln, Sylva, NC 28779 Property Records

Jackson County property record for 46 Fargo Ln, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,004 sqft · built 1989
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Oct 2022)
Tax Bill	$897 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`7631-65-1855`

Property Details

APN / Parcel Number

Primary APN	`7631-65-1855`
Alternative APN	`55349`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,004 sqft Heated Area
1st Floor Area	1,004 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft

Exterior Amenities

Porch	Patio
Porch Area	252 sqft
Deck Area	32 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	46 FARGO LN
City	SYLVA
State	NC
Zip	28779-6793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 RES DIS
Legal Description	LT 1,PT LT 2 J P BUCHANAN
Legal Subdivision	BUCHANAN SUBDIVISION
Legal Lot Number	1-2
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	3
Census Block	3019
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	46 FARGO LN, SYLVA, NC 28779-6793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
May 28, 2019	Warranty Deed, Transfer · Stand-Alone Refinance JACKSON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Book / Page	2344 / 347
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Oct 7, 2022
Property Address	46 FARGO LN, SYLVA, NC 28779-6793
Document Number	0023440347
Book / Page	2344 / 347
Instrument Date	Oct 7, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 848, DILLSBORO, NC 28725-0848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 FARGO LN, SYLVA, NC 28779-6793

Mortgage

Document Number	0023440351
Date	Oct 7, 2022
Book Page	2344/351

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 28, 2019
Property Address	46 FARGO LN, SYLVA, NC 28779-6793
Document Number	0022390030
Book / Page	2239 / 30
Instrument Date	May 28, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	PO BOX 848, DILLSBORO, NC 28725-0848

Mortgage

Document Number	0022390033
Date	May 28, 2019
Book Page	2239/33

Lender

Name	JACKSON SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

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		$236,151 (+65.12%) Land $30,620 Building $205,531
2025	$897.00 (+65.19%)
2023	$543.00	$143,020 Land $23,100 Building $119,920

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	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	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.08% 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	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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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