Jackson County property record for 643 Toy Cove Rd, Sylva, NC 28779
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 1998 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,266 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 7651-05-5335 |
| Primary APN | 7651-05-5335 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,248 sqft Heated Area |
| 1st Floor Area | 1,248 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Wood Truss |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Carport |
| Garage Area | 420 sqft |
| Carport | Carport |
| Carport Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 381 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Street Address | 643 TOY COVE RD |
|---|---|
| City | SYLVA |
| State | NC |
| Zip | 28779-8791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 22 TOY COVE EST |
| Legal Subdivision | TOY COVE EST |
| Legal Lot Number | 22 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | SYLVA |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 950400 |
643 Toy Cove Rd is owned and occupied by two individuals.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 643 TOY COVE RD, SYLVA, NC 28779-8791 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 643 Toy Cove Rd was $1,266.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $333,342 Land $68,790 Building $264,552 | |
| 2025 | $1,266.00 | |
| 2023 | $790.00 | $208,020 Land $54,090 Building $153,930 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 643 Toy Cove Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2015.
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 File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 7 (2015–2025) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Jun 2025 · other causes |
| Claims by Event |
|
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 risk around 643 Toy Cove Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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