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655 E Valley Dr, Sapphire, NC 28774 Property Records

Jackson County property record for 655 E Valley Dr, Sapphire, NC 28774

Property Summary

Property TypeSingle Family Home
Lot Size2.56 acres (111,949 sqft)
Owner2 Individual Names on File
Last Sale$260,000 (Jun 2014)
Tax Bill$6,803 (2023)
Deeds & MortgagesJan 2021 Construction Loan
Flood ZoneZone X (minimal risk)
APN7582-69-2441

Property Details

APN / Parcel Number

Primary APN7582-69-2441
Alternative APN
  • 174186

Exterior

Lot Area111,949 sqft (2.56 acres)
TerrainRolling

Location & Zoning

Account Number174186
Street Address655 E VALLEY DR
CitySAPPHIRE
StateNC
Zip28774
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 7 PH 1 LONESOME VALLEY
Legal Township07
Legal SubdivisionLONESOME VLY PH I
Legal Lot Number7
JurisdictionJACKSON NC
Township / Civil DivisionCASHIERS
Census Block Group1
Census Block1008
Census Tract950900

Owner

Source: Jackson County records · APN 7582-69-2441

Assessment roll updated January 1, 2023 · Last verified August 2023

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

Owner of Record2 Individual Names on File
Mailing Address1528 LYONS BEND RD, KNOXVILLE, TN 37919-8619
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 30, 2014 · Amount on Record
Deed SaleJun 30, 2014 · Amount on Record
Deed Document Number0002039431
Deed Book / Page2039 / 431
Record UpdatedJun 07, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON NC
Property Address655 E VALLEY DR, SAPPHIRE, NC 28774
Transaction TypeMortgage
Record UpdatedOct 06, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0022901544
DateJan 26, 2021
Book Page2290/1544
Lender
NameFIRST HORIZON BANK
TypeBank
AddressMEMPHIS, TN 38103
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueFeb 01, 2052
Interest
Rate TypeAdjustable Rate
Rate3.87%
Type Change DateFeb 01, 2029
Change FrequencyAnnually
Max Rate At Change8.87%
Index1-Year LIBOR
Max Rate8.87%

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated January 1, 2023 · Last verified August 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyJackson County
Unified School DistrictJackson County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2023$6,803.00$1,790,400 Land $525,000 Building $1,265,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 22 policies
Nearby Flood Policies22 in force
Nearby Flood Claims3 (2020–2022)
Claims Outside the SFHA3 of 3
Most Recent ClaimMay 2022 · rainfall accumulation

Wildfire

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Vyve Broadband
Cable		1,000 / 50

May also be available: Skyrunner.

Based on FCC filings for 28 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

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