59 River Overlook Rd, Sapphire, NC 28774 Property Records

Transylvania County property record for 59 River Overlook Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,806 sqft · built 1993
Lot Size	1.15 acres (50,304 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Apr 2022)
Tax Bill	$7,790 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8511-06-2832-000`

Property Details

APN / Parcel Number

Primary APN	`8511-06-2832-000`
Alternative APNs	`70500760` `70555410`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,806 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	50,304 sqft (1.15 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	70555410
Street Address	59 RIVER OVERLOOK RD
City	SAPPHIRE
State	NC
Zip	28774-8740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L3 RIVER OVERLOOK
Legal Subdivision	RIVER OVERLOOK
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	HOGBACK
Census Block Group	1
Census Block	1023
Census Tract	960601

Owner

59 River Overlook Rd is owned by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5130 ASHLAND CITY HWY, NASHVILLE, TN 37218-4109
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
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Jan 29, 2021	Deed of Trust, Mortgage · Line of Credit IBERIABANK
Sep 6, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on File
Deed Sale	Apr 26, 2022 · Amount on File
Prior Sale	Sep 6, 2019 · Amount on File
Deed Document Number	20222713
Deed Book / Page	1034 / 431
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Apr 26, 2022
Property Address	59 RIVER OVERLOOK RD, SAPPHIRE, NC 28774-8740
Document Number	0010340431
Book / Page	1034 / 431
Map Reference	FILE 22 SL 93
Instrument Date	Apr 26, 2022
Instrument	2022002713
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 BILTMORE, 129, ST SIMONS ISLAND, GA 31522-2456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5130 ASHLAND CITY HWY, NASHVILLE, TN 37218-4100

Mortgage

Document Number	2022002714
Date	Apr 26, 2022
Instrument	2022002714

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	59 RIVER OVERLOOK RD, SAPPHIRE, NC 28774-8740
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009630351
Date	Jan 29, 2021
Book Page	963/351
Instrument	2021000757

Lender

Name	IBERIABANK
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	Sep 6, 2019
Property Address	59 RIVER OVERLOOK RD, SAPPHIRE, NC 28774-8740
Document Number	0008920250
Book / Page	000892 / 000250
Instrument Date	Sep 4, 2019
Instrument	4536
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,658.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 WINDY RIDGE PKWY SE ATLANTA GA 303398404, ATLANTA, GA 30339-8404

Tax Assessment & Valuation

The 2026 property tax bill for 59 River Overlook Rd was $7,790.

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	$7,790.00	$1,621,230 (-) Land $206,250 Building $1,414,980	$1,621,230 (-) Land $206,250 Building $1,414,980
2025	$7,790.00	$1,621,230 Land $206,250 Building $1,414,980	$1,621,230 Land $206,250 Building $1,414,980
2023	$5,394.00	$819,400 Land $225,000 Building $594,400	$819,400 Land $225,000 Building $594,400

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

Flood

FEMA maps place 59 River Overlook Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 59 River Overlook Rd 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	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	SAPPHIRE LAKES DEVELOPMENT private · serves 724 people · EPA ID NC0188127
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on River Overlook Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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