90 Summit Falls Rd, Sapphire, NC 28774 Property Records

Jackson County property record for 90 Summit Falls Rd, Sapphire, NC 28774

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,352 sqft · built 2006
Lot Size	2.02 acres (87,991 sqft)
Owner	Individual Name on File
Last Sale	$1,305,000 (Nov 2021)
Tax Bill	$3,642 (2023)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8502-37-1658`

Property Details

APN / Parcel Number

Primary APN	`8502-37-1658`
Alternative APN	`173675`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,352 sqft Heated Area
1st Floor Area	1,886 sqft
Basement Area	1,466 sqft
Finished Basement	1,466 sqft
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Wood Truss
Roof Material	Metal
Lot Area	87,991 sqft (2.02 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	866 sqft
Deck Area	736 sqft
Patio Area	736 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	173675
Street Address	90 SUMMIT FALLS RD
City	SAPPHIRE
State	NC
Zip	28774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11A SAPPHIRE HIGH
Legal Township	07
Legal Subdivision	SAPPHIRE HIGH
Legal Lot Number	11A
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	1
Census Block	1001
Census Tract	950900

Owner

Source: Jackson County assessment roll, as of January 1, 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3021 DEEP WATER WAY, WEST UNION, SC 29696-3664
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Prior Sale	Feb 26, 2014 · Amount on Record
Deed Document Number	0023191583
Deed Book / Page	2319 / 1583
Record Updated	Jun 7, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	90 SUMMIT FALLS RD, SAPPHIRE, NC 28774
Transaction Type	Mortgage
Record Updated	Oct 17, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 SUMMIT FALLS RD, SAPPHIRE, NC 28774-0440

Mortgage

Document Number	0023640614
Date	Sep 29, 2023
Book Page	2364/614

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Nov 15, 2021
Property Address	90 SUMMIT FALLS RD, SAPPHIRE, NC 28774
Document Number	0023191583
Book / Page	2319 / 1583
Map Reference	CAB 20 SL 287
Instrument Date	Nov 11, 2021
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1850 HIGH TRL, 1850, ATLANTA, GA 30339-8470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3021 DEEP WATER WAY, WEST UNION, SC 29696-3664

Mortgage

Document Number	23191587
Date	Nov 15, 2021
Instrument	2319/1587

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of January 1, 2023

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
2023	$3,642.00	$958,470 Land $250,000 Building $708,470

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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	THE DIVIDE WATER SYSTEM private · serves 89 people · EPA ID NC1050037
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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