Jackson County property record for 5 Hill Top Dr, Sylva, NC 28779
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,970 sqft · built 1961 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Jul 2019) |
| Tax Bill | $1,488 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7641-68-1650 |
| Primary APN | 7641-68-1650 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,970 sqft Heated Area |
| 1st Floor Area | 1,970 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Garage Type | Carport |
| Garage Area | 500 sqft |
| Carport | Carport |
| Carport Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 180 sqft |
| Patio Area | 412 sqft |
| Canopy | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Street Address | 5 HILL TOP DR |
|---|---|
| City | SYLVA |
| State | NC |
| Zip | 28779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DILLARDTOWN |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | SYLVA |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950300 |
Source: Jackson County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 32, CULLOWHEE, NC 28723-0032 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMESTAR FINANCIAL CORP |
| Jul 2, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage STATE EMPLOYEES CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2019 · Amount on Record |
| Deed Sale | Jul 2, 2019 · Amount on Record |
| Deed Book / Page | 2241 / 1585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 5 HILL TOP DR, SYLVA, NC 28779 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022770210 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 2277/210 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAINESVILLE, GA 30501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Jul 2, 2019 |
| Property Address | 5 HILL TOP DR, SYLVA, NC 28779 |
| Document Number | 0022411585 |
| Book / Page | 2241 / 1585 |
| Instrument Date | Jul 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 32, CULLOWHEE, NC 28723-0032 |
| Document Number | 22411588 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 2241/1588 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.8% |
| Type Change Date | Jul 2, 2024 |
| Max Rate At Change | 4.2% |
| Document Number | 0022411585 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 2241/1585 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.8% |
| Type Change Date | Jul 2, 2024 |
| Index | 5-Year CMT |
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $391,749 (+67.21%) Land $47,090 Building $344,659 | |
| 2025 | $1,488.00 (+67.19%) | |
| 2023 | $890.00 | $234,280 Land $31,730 Building $202,550 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CAROL`S CABINS private · serves 51 people · EPA ID NC0150152 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | MORNINGSTAR ASSISTED LIVING OF SYLVA |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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