644 Tower Rd, Sapphire, NC 28774 Property Records

Jackson County property record for 644 Tower Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,693 sqft · built 2005
Lot Size	2 acres (87,120 sqft)
Owner	2 Trust Names on Record
Last Sale	$875,000 (Nov 2023)
Tax Bill	$3,652 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage Nov 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`8502-15-4176`

Property Details

APN / Parcel Number

Primary APN	`8502-15-4176`
Alternative APN	`180573`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,693 sqft Heated Area
1st Floor Area	1,436 sqft
Upper Floors Area	336 sqft
Basement Area	1,462 sqft
Unfinished Basement	1,462 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	720 sqft
Patio Area	496 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	644 TOWER RD
City	SAPPHIRE
State	NC
Zip	28774-8685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1B SAPPHIRE HIGH
Legal Subdivision	SCRPHIM RINE AND CINDY RINE
Legal Lot Number	1B
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1098
Census Tract	950900

Owner

Source: Jackson County records, as of September 9, 2025

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

Owner of Record	2 Trust Names on Record
Mailing Address	47 KINGSBRIDGE LN, CROSSVILLE, TN 38558-2990
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2018	Warranty Deed, Transfer · Conventional Mortgage BRANCH BK&TR
Nov 1, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Prior Sale	Mar 9, 2018 · Amount on Record
Prior Transfer Date	Oct 31, 2008
Prior Transfer Doc	0017720833
Record Updated	Jun 8, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 9, 2018
Property Address	644 TOWER RD, SAPPHIRE, NC 28774-8685
Document Number	0022081743
Book / Page	002208 / 001743
Instrument Date	Mar 8, 2018
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	BB AND T ML POST CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$706.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	688 PROMENADE POINTE DR ST AUGUSTINE FL 320954822, ST AUGUSTINE, FL 32095-4822

Mortgage

Document Number	22081747
Date	Mar 9, 2018
Book Page	002208/001747

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2048

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Nov 1, 2023
Property Address	644 TOWER RD, SAPPHIRE, NC 28774-8685
Document Number	0023660321
Book / Page	2366 / 321
Map Reference	CAB 26 SL 356
Instrument Date	Mar 8, 2018
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	688 PROMENADE POINTE DR, SAINT AUGUSTINE, FL 32095-4822

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	47 KINGSBRIDGE LN, CROSSVILLE, TN 38558-2990

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 8, 2025

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
2025	$3,652.00 (+98.48%)	$961,054 (+98.47%) Land $150,000 Building $811,054
2023	$1,840.00	$484,230 Land $100,000 Building $384,230

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	0.07% 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 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.

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