Jackson County property record for 108 Black Mountain Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,532 sqft · built 2006 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,393 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7569-34-1416 |
| Primary APN | 7569-34-1416 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,532 sqft Heated Area |
| 1st Floor Area | 974 sqft |
| Upper Floors Area | 558 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Wood Truss |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Deck Area | 841 sqft |
| Patio Area | 841 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 108 BLACK MOUNTAIN RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-8171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 6 LAPORTE ACRES |
| Legal Subdivision | PORTE ACRES |
| Legal Lot Number | 6 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | RIVER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 950700 |
Source: Jackson County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 671 HELEN ZACHARY RD, CULLOWHEE, NC 28723-8182 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 12, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2012 |
| Deed Sale | Jul 18, 2012 |
| Prior Sale | Apr 17, 2006 · Amount on Record |
| Deed Book / Page | 1945 / 67 |
| Prior Transfer Date | Jul 11, 2012 |
| Prior Transfer Doc | 0019450067 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 108 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8171 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022830459 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 2283/459 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 108 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8171 |
| Document Number | 0022830480 |
| Instrument Date | Nov 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 BLACK MOUNTAIN RD CULLOWHEE NC 287238171, CULLOWHEE, NC 28723-8171 |
| Document Number | 0022830480 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 002283/000480 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $366,587 (-) Land $30,420 Building $336,167 | |
| 2025 | $1,393.00 (+64.85%) | $366,587 (+64.85%) Land $30,420 Building $336,167 |
| 2023 | $845.00 | $222,370 Land $27,010 Building $195,360 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 9 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Sky Fi Fixed Wireless | 10 / 1 |
May also be available: Optimum, Verizon.
5G and 4G LTE (outdoors only)
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