85 Elm St, Unit D, Sylva, NC 28779 Property Records

Jackson County property record for 85 Elm St, Unit D, Sylva, NC 28779

Property Summary

Property Type	Other Improved
Details	3 bd · 3 ba · 2,064 sqft · built 2009
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (May 2022)
Tax Bill	$1,172 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`7631-85-6746`

Property Details

APN / Parcel Number

Primary APN	`7631-85-6746`
Alternative APN	`182879`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Finished Basement	1,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Garage Area	280 sqft
Porch	Porch
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	85 ELM ST, D
City	SYLVA
State	NC
Zip	28779-7880
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R1
Legal Description	UN D LAUREL RIDGE TOWNHOMES
Legal Subdivision	LAUREL RIDGE TOWNHOMES
Jurisdiction	JACKSON NC
Township / Civil Division	SYLVA
Census Block Group	3
Census Block	3005
Census Tract	950400

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	Individual Name on Record
Mailing Address	85 ELM ST, D, SYLVA, NC 28779-7880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Jun 12, 2019 · Amount on Record
Deed Book / Page	2334 / 1475
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	May 17, 2022
Property Address	85 ELM ST UNIT D, D, SYLVA, NC 28779-7880
Document Number	0023341475
Book / Page	2334 / 1475
Map Reference	CAB 20 SL 7
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1S640 ARDENNES CT, 1S640, WINFIELD, IL 60190-1720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 ELM ST UNIT D, D, SYLVA, NC 28779-7880

Mortgage

Document Number	0023341479
Date	May 17, 2022
Instrument	2334/1479

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	4.95%
Index	5-Year CMT
Margin	2
Max Rate	8.95%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 12, 2019
Property Address	85 ELM ST UNIT D, D, SYLVA, NC 28779-7880
Document Number	0022400375
Book / Page	002240 / 000375
Instrument Date	Jun 11, 2019
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$370.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 ELM ST #D SYLVA NC 287797880, D, SYLVA, NC 28779-7880

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Municipality	Sylva Town
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$308,434 (+50.96%) Land $15,000 Building $293,434
2025	$1,172.00 (+51.03%)
2023	$776.00	$204,310 Land $10,000 Building $194,310

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	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

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 46% of the US · above 67% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MORNINGSTAR ASSISTED LIVING OF SYLVA private · serves 80 people · EPA ID NC0150157
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	TUCKASEIGEE WATER & SEWER AUTH
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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