5 Sunset Rdg, Whittier, NC 28789 Property Records

Swain County property record for 5 Sunset Rdg, Whittier, NC 28789

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,870 sqft · built 2003
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$709,000 (Mar 2024)
Tax Bill	$2,180 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`760300141238`

Property Details

APN / Parcel Number

Primary APN	`760300141238`
Alternative APNs	`541388` `542900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,870 sqft Total Area
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	542900
Street Address	5 SUNSET RDG
City	WHITTIER
State	NC
Zip	28789-9502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-OR-1336-A-CONLEY CRK SMCC LT 41
Legal Subdivision	SMOKY MOUNTAIN COUNTRY CLUB
Legal Lot Number	41
Jurisdiction	SWAIN NC
Township / Civil Division	CHARLESTON
Census Block Group	1
Census Block	1046
Census Tract	960302

Owner

Source: Swain County records, as of September 9, 2025

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	4240 MONTALVO, PENSACOLA, FL 32504-9051
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Mar 16, 2022	Intrafamily Transfer, Transfer
Oct 27, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2024 · Amount on Record
Deed Sale	Mar 25, 2024 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Prior Transfer Date	Mar 16, 2022
Prior Transfer Doc	000505/844
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SWAIN NC
Recording Date	Mar 25, 2024
Property Address	5 SUNSET RDG, WHITTIER, NC 28789-9502
Document Number	000529/617
Book / Page	529 / 617
Map Reference	MB 4 PG 4204
Instrument Date	Mar 21, 2024
Instrument	495
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 MONTALVO, PENSACOLA, FL 32504-9051

Mortgage

Document Number	000529/621
Date	Mar 25, 2024
Book Page	529/621
Instrument	496

Lender

Name	REGIONS BANK
Type	Bank
Address	2050 PARKWAY OFFICE CIR, HOOVER, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.1%
Index	Other
Margin	3
Max Rate	12.1%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SWAIN NC
Recording Date	Mar 16, 2022
Property Address	5 SUNSET RDG, WHITTIER, NC 28789-9502
Document Number	000505/844
Book / Page	505 / 844
Map Reference	MB 453 PG 246
Instrument Date	Mar 16, 2022
Instrument	658
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 1613, WHITTIER, NC 28789-1613

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SWAIN NC
Recording Date	Oct 27, 2017
Property Address	5 SUNSET RDG, WHITTIER, NC 28789-9502
Document Number	00453/0246
Book / Page	00453 / 0246
Instrument Date	Oct 26, 2017
Instrument	01816
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1556, WHITTIER, NC 28789-1556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1613, WHITTIER, NC 28789-1613

Mortgage

Document Number	01817
Date	Oct 27, 2017
Instrument	01817

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2032

Tax Assessment & Valuation

Source: Swain County assessment roll, as of August 28, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Swain County
Unified School District	Swain County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,180.00 (+19.32%)	$475,760 (-) Land $29,000 Building $446,760	$475,760 (-) Land $29,000 Building $446,760
2023	$1,827.00 Additional exemption filed	$475,760 Land $29,000 Building $446,760	$475,760 Land $29,000 Building $446,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · 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
Flood Insurance Cost	Premium on Record median of 18 individual policies
Nearby Flood Policies	24 units insured incl. 6 condo units
Nearby Flood Claims	1 (2004)
Most Recent Claim	Sep 2004 · Hurricane Ivan

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 58% of the US · above 81% 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 38 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sunset Rdg

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures