642 Turtle Creek Rd, Sylva, NC 28779 Property Records

Jackson County property record for 642 Turtle Creek Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,656 sqft · built 2000
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2020)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`7529-91-7797`

Property Details

APN / Parcel Number

Primary APN	`7529-91-7797`
Alternative APN	`176013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,656 sqft Heated Area
1st Floor Area	1,228 sqft
Attic	Attic
Attic Area	200 sqft
Basement Area	1,228 sqft
Finished Basement	1,228 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Logs
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Deck Area	80 sqft
Patio Area	842 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	642 TURTLE CREEK RD
City	SYLVA
State	NC
Zip	28779-8206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 33 REV TURTLE CREEK
Legal Subdivision	TURTLE CREEK
Legal Lot Number	33
Jurisdiction	JACKSON NC
Township / Civil Division	SAVANNAH
Census Block Group	1
Census Block	1043
Census Tract	950500

Owner

Source: Jackson 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	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGEPROS LLC
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 24, 2020	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP
Jul 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jun 6, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Jun 6, 2019 · Amount on Record
Deed Book / Page	2272 / 479
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Transaction Type	Mortgage
Record Updated	Mar 2, 2026
Title Company	MADISON SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206

Mortgage

Document Number	0024141370
Date	Feb 20, 2026
Book Page	2414/1370

Lender

Name	MORTGAGEPROS LLC
Type	Mortgage Company
Address	880 W LONG LAKE RD STE 300, TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024090387
Date	Nov 18, 2025
Book Page	2409/387

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Transaction Type	Mortgage
Record Updated	Feb 14, 2024
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023711225
Date	Feb 2, 2024
Book Page	2371/1225

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0023131197
Date	Sep 9, 2021
Book Page	2313/1197

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2026
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 24, 2020
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Document Number	0022720479
Book / Page	2272 / 479
Instrument Date	Jul 22, 2020
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 N SALISBURY ST, 119, RALEIGH, NC 27603-1739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Investor	Possibly a Property Investor

Mortgage

Document Number	0022720483
Date	Jul 24, 2020
Instrument	2272/0483

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 12, 2019
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Document Number	0022420435
Book / Page	002242 / 000435
Instrument Date	Jul 2, 2019
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$349.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 N SALISBURY ST RALEIGH NC 276031739, RALEIGH, NC 27603-1739
Investor	Possibly a Property Investor

June 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 6, 2019
Property Address	642 TURTLE CREEK RD, SYLVA, NC 28779-8206
Document Number	0022391544
Book / Page	002239 / 001544
Instrument Date	May 21, 2019
Transaction Type	Foreclosure
Record Updated	Jun 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$408.03
Amount Accuracy	Confirmed
Additional	Notice of Default Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 25279 RALEIGH NC 276115279, RALEIGH, NC 27611-5279

Tax Assessment & Valuation

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

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
2026		$419,420 (+68.17%) Land $41,320 Building $378,100
2025	$1,593.00 (+68.22%)
2023	$947.00	$249,400 Land $49,600 Building $199,800

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Mar 2021 · other causes

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 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	45 / 3

May also be available: Sky Fi, Spectrum, T-Mobile.

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