480 S River Rd, #28779, Sylva, NC 28779 Property Records

Jackson County property record for 480 S River Rd, #28779, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jan 2022)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7640-56-6722`

Property Details

APN / Parcel Number

Primary APN	`7640-56-6722`
Alternative APN	`27255`

Exterior

Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	480 S RIVER RD, 28779
City	SYLVA
State	NC
Zip	28779-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 OFF S RIVER RD
Legal Lot Number	2
Jurisdiction	JACKSON NC
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2046
Census Tract	950400

Owner

480 S River Rd, #28779 is owned by two individuals who acquired it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	8016 CELTIC LN, FORT MILL, SC 29707-6065
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

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CREDIT UNION
Nov 13, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 20, 2022	Warranty Deed, Transfer · Seller Carry-Back JAMES M MCMANUS JR ETUX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2022 · Amount on File
Deed Sale	Jan 20, 2022 · Amount on File
Deed Book / Page	2325 / 425
Last Transfer Date	Nov 3, 2023
Transfer Doc	0023661400
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Sep 25, 2026
Property Address	480 S RIVER RD, 28779, SYLVA, NC 28779-5304
Document Number	2429000214
Book / Page	2429 / 214
Instrument Date	Sep 24, 2026
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	MISSION ESCROW, MIS - ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 S RIVER RD, 28779, SYLVA, NC 28779-5304

Mortgage

Document Number	2429000214,
Date	Sep 25, 2026
Book Page	2429/214

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Nov 13, 2023
Property Address	2 BIG TROUT RD, SYLVA, NC 28779-5685
Document Number	0023661400
Book / Page	2366 / 1400
Map Reference	CAB 25 SL 297
Instrument Date	Nov 3, 2023
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8016 CELTIC LN, INDIAN LAND, SC 29707-6065

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jan 20, 2022
Property Address	2 BIG TROUT RD, SYLVA, NC 28779-5685
Document Number	0023250425
Book / Page	2325 / 425
Map Reference	CAB 25 SL 297
Instrument Date	Dec 12, 2021
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2013 E FORK RD, SYLVA, NC 28779-7353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 AVENZA DR, WAXHAW, NC 28173-7042

Mortgage

Document Number	0023250430
Date	Jan 20, 2022
Instrument	2325/0430

Lender

Name	JAMES M MCMANUS JR ETUX
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	18 Months
Due	Jul 15, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 480 S River Rd, #28779 was $1,963.

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		$516,710 (-) Land $29,620 Building $487,090
2025	$1,963.00	$516,710 Land $29,620 Building $487,090
2023	$207.00	$54,510 Land $54,510

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 480 S River Rd, #28779 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	17 (1991–2024)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Hurricane Ivan, Sep 2004 · 4 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

Wildfire risk around 480 S River Rd, #28779 is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Frontier DSL	10 / 1

May also be available: Sky Fi, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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