545 Tower Rd, Sapphire, NC 28774 Property Records

Jackson County property record for 545 Tower Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,760 sqft · built 1996
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on Record
Tax Bill	$1,006 (2023)
Deeds & Mortgages	Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8502-14-0742`

Property Details

APN / Parcel Number

Primary APN	`8502-14-0742`
Alternative APN	`145656`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,760 sqft Heated Area
1st Floor Area	1,760 sqft
Interior Walls	Plywood
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Wood
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	37,026 sqft (0.85 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	326 sqft
Patio Area	326 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	145656
Street Address	545 TOWER RD
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 158 UN 1 HOLLY FOREST
Legal Township	07
Legal Subdivision	HOLLY FOREST
Legal Lot Number	158
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1094
Census Tract	950900

Owner

Source: Jackson County records, as of August 10, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 33, CASHIERS, NC 28717-0033
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 28, 2007
Transfer Doc	0017190447
Record Updated	Jun 7, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	545 TOWER RD, SAPPHIRE, NC 28774
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 TOWER RD, SAPPHIRE, NC 28774

Mortgage

Document Number	0023540490
Date	Apr 12, 2023
Book Page	2354/490

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	CASHIERS, NC 28717

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	297 Months
Due	Jan 18, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of January 1, 2023

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
2023	$1,006.00	$264,860 Land $25,000 Building $239,860

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
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2020–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2022 · rainfall accumulation

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAIRFIELD SAPPHIRE private · serves 3,873 people · EPA ID NC0150113
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2017–2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Uranium resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tower Rd

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