980 S River Rd, Sylva, NC 28779 Property Records

Jackson County property record for 980 S River Rd, Sylva, NC 28779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,050 sqft · built 2012
Lot Size	0.994 acres (43,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Aug 2023)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7640-35-2753`

Property Details

APN / Parcel Number

Primary APN	`7640-35-2753`
Alternative APN	`125058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,050 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,340 sqft (0.994 acres)
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Porch	Porch
Porch Area	300 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Street Address	980 S RIVER RD
City	SYLVA
State	NC
Zip	28779-0529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 NOAHS LANDING
Legal Subdivision	NOAHS LANDING
Legal Lot Number	3
Jurisdiction	JACKSON NC
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2046
Census Tract	950400

Owner

Source: Jackson County records, as of June 12, 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	980 S RIVER RD, SYLVA, NC 28779-0529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	Oct 11, 2012 · Amount on Record
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 10, 2023
Property Address	980 S RIVER RD, SYLVA, NC 28779
Document Number	0023610606
Book / Page	2361 / 606
Map Reference	CAB 16 SL 710
Instrument Date	Aug 7, 2023
Transaction Type	Transfer
Record Updated	Aug 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 COVE RD, BROOKFIELD, CT 06804-1302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 S RIVER RD, SYLVA, NC 28779

Mortgage

Document Number	0023610610
Date	Aug 10, 2023
Book Page	2361/610

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.27%
Max Rate At Change	8.27%
Index	5-Year TN
Max Rate	12.2%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	980 S RIVER RD, SYLVA, NC 28779
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023210754
Date	Dec 6, 2021
Book Page	2321/754

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 26, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,131.00 (+121.06%)	$560,961 (+121.02%) Land $166,000 Building $394,961
2023	$964.00	$253,810 Land $47,500 Building $206,310

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	17 (1991–2024)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Hurricane Ivan, Sep 2004 · 4 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 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: BalsamWest FiberNET.

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