54 Copperhead Rd, Sapphire, NC 28774 Property Records

Transylvania County property record for 54 Copperhead Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,573 sqft · built 1993
Lot Size	6.16 acres (268,330 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Nov 2017)
Tax Bill	$3,141 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8501-65-2738-000`

Property Details

APN / Parcel Number

Primary APN	`8501-65-2738-000`
Alternative APN	`70490740`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,573 sqft Heated Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	268,330 sqft (6.16 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	70490740
Street Address	54 COPPERHEAD RD
City	SAPPHIRE
State	NC
Zip	28774-5533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAINY KNOBS RD
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1029
Census Tract	960601

Owner

Source: Transylvania 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	54 COPPERHEAD RD, SAPPHIRE, NC 28774-5533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 1, 2017	Warranty Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Prior Sale	Oct 1, 1992
Deed Document Number	20175747
Deed Book / Page	823 / 85
Last Transfer Date	Feb 22, 2019
Transfer Doc	0000000900
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	54 COPPERHEAD RD, SAPPHIRE, NC 28774-5533
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	NOT AVAILABLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 COPPERHEAD RD, SAPPHIRE, NC 28774-5533

Mortgage

Document Number	0010890015
Date	Aug 22, 2023
Book Page	1089/15
Instrument	2023004115

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	54 COPPERHEAD RD, SAPPHIRE, NC 28774-5533
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009980009
Date	Aug 23, 2021
Book Page	998/9
Instrument	2021006523

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	54 COPPERHEAD RD, SAPPHIRE, NC 28774-5533
Document Number	0009200278
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 COPPERHEAD RD SAPPHIRE NC 28774, SAPPHIRE, NC 28774

Mortgage

Document Number	0009200278
Date	May 11, 2020
Book Page	000920/000278
Instrument	2344

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 10, 2035

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Nov 1, 2017
Property Address	54 COPPERHEAD RD, SAPPHIRE, NC 28774-5533
Document Number	0008230085
Book / Page	000823 / 000085
Instrument Date	Oct 31, 2017
Instrument	5747
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 YACHT CLUB DR HILTON HEAD ISLAND SC 299261242, HILTON HEAD ISLAND, SC 29926-1242

Mortgage

Document Number	8230088
Date	Nov 1, 2017
Book Page	000823/000088
Instrument	5748

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,141.00 (+32.36%)	$653,760 (+81.29%) Land $88,700 Building $565,060	$653,760 (+81.29%) Land $88,700 Building $565,060
2023	$2,373.00	$360,610 Land $88,700 Building $271,910	$360,610 Land $88,700 Building $271,910

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 June 26, 2017 · 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.

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	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Comporium DSL	10 / 1

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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