804 Old Cove Rd, Sylva, NC 28779 Property Records

Jackson County property record for 804 Old Cove Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1997
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,500 (May 2023)
Tax Bill	$1,956 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7610-80-8557`

Property Details

APN / Parcel Number

Primary APN	`7610-80-8557`
Alternative APN	`180334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,650 sqft Heated Area
1st Floor Area	1,650 sqft
Basement Area	1,650 sqft
Unfinished Basement	1,650 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	660 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	804 OLD COVE RD
City	SYLVA
State	NC
Zip	28779-7054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1,2 OFF GREENS CREEK RD
Legal Subdivision	GREENS CREEK
Legal Tract	1
Jurisdiction	JACKSON NC
Township / Civil Division	GREENS CREEK
Census Block Group	2
Census Block	2003
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	804 OLD COVE RD, SYLVA, NC 28779-7054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
May 17, 2023	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Jan 12, 2018	Warranty Deed, Transfer · Conventional with PMI JAMES B NUTTER & CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Prior Sale	Jan 12, 2018 · Amount on Record
Deed Book / Page	2356 / 616
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Aug 5, 2026
Property Address	804 OLD COVE RD, SYLVA, NC 28779-7054
Document Number	2425001045
Book / Page	2425 / 1045
Instrument Date	Jul 22, 2026
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 OLD COVE RD, SYLVA, NC 28779-7054

Mortgage

Document Number	2425001045,
Date	Aug 5, 2026
Book Page	2425/1045

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 26, 2051

Interest

Rate	6.49%
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 17, 2023
Property Address	804 OLD COVE RD, SYLVA, NC 28779-7054
Document Number	0023560616
Book / Page	2356 / 616
Instrument Date	May 17, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,001.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1221 TOUVELLE ST, CELINA, OH 45822-8724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 OLD COVE RD, SYLVA, NC 28779-7054

Mortgage

Document Number	0002356619
Date	May 17, 2023
Instrument	2356/619

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Margin	3
Max Rate	10.3%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	804 OLD COVE RD, SYLVA, NC 28779-7054
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022971469
Date	Apr 5, 2021
Book Page	2297/1469

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	804 OLD COVE RD, SYLVA, NC 28779-7054
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022570958
Date	Dec 23, 2019
Book Page	2257/958

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jan 12, 2018
Property Address	804 OLD COVE RD, SYLVA, NC 28779-7054
Document Number	0022051212
Book / Page	002205 / 001212
Instrument Date	Jan 11, 2018
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 14 WHITTIER NC 287890014, WHITTIER, NC 28789-0014

Mortgage

Document Number	22051216
Date	Jan 12, 2018
Book Page	002205/001216

Lender

Name	JAMES B NUTTER & CO
Type	Funding / Finance Company
Address	KANSAS CITY, MO 64111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2048

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		$514,897 (-) Land $115,260 Building $399,637
2025	$1,956.00 (+97.18%)	$514,897 (+97.09%) Land $115,260 Building $399,637
2023	$992.00	$261,250 Land $59,030 Building $202,220

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	3 in force
Nearby Flood Claims	2 (2013–2021)
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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.2% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Sky Fi Fixed Wireless	10 / 1
Frontier DSL	10 / 1
AT&T DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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