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109 Flat Gap Trl, Cullowhee, NC 28723 Property Records

Jackson County property record for 109 Flat Gap Trl, Cullowhee, NC 28723

Property Summary

Property TypeOther Improved
Details3 bd · 3 ba · 3,187 sqft · built 2006
Lot Size7 acres (304,920 sqft)
OwnerIndividual Name on File
Last Sale$415,000 (Dec 2025)
Tax Bill$4,510 (2025)
Deeds & MortgagesDec 2025 Sale
Apr 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN7558-21-4158

Property Details

APN / Parcel Number

Primary APN7558-21-4158
Alternative APN
  • 122201

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,187 sqft
1st Floor Area2,306 sqft
Fireplaces4 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Exterior MaterialSingle Wall
Lot Area304,920 sqft (7 acres)
Garage Area1,320 sqft
PorchPorch
Porch Area1,120 sqft
Patio Area600 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number122201
Street Address109 FLAT GAP TRL
CityCULLOWHEE
StateNC
Zip28723-6741
Property CategoryOther
Property TypeOther > Other Improved
Legal DescriptionOFF CULLOWHEE MOUNTAIN RD
Legal Township09
JurisdictionJACKSON NC
Township / Civil DivisionCULLOWHEE
Census Block Group5
Census Block5020
Census Tract950600

Owner

Source: Jackson County records · APN 7558-21-4158

Assessment roll updated January 1, 2025 · Last verified January 2026

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

Owner of RecordIndividual Name on File
Mailing Address74 PANTHER RIDGE DR, SYLVA, NC 28779-6300
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2025Warranty Deed, Transfer
Apr 25, 2022Warranty Deed, Transfer · Conventional Mortgage
KELLER MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 29, 2025 · Amount on Record
Deed SaleDec 29, 2025 · Amount on Record
Prior SaleApr 25, 2022 · Amount on Record
Deed Document Number0024111353
Deed Book / Page2411 / 1353
Record UpdatedJun 08, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON NC
Recording DateDec 29, 2025
Property Address109 FLAT GAP TRL, CULLOWHEE, NC 28723-6741
Document Number0024111353
Book / Page2411 / 1353
Instrument DateDec 23, 2025
Transaction TypeTransfer
Record UpdatedJan 08, 2026

Transaction

AmountAmount Recorded
Tax$830.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address109 FLAT GAP TRL, CULLOWHEE, NC 28723-6741

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 PANTHER RIDGE DR, SYLVA, NC 28779-6300

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON NC
Recording DateApr 25, 2022
Property Address109 FLAT GAP TRL, CULLOWHEE, NC 28723-6741
Document Number0023321930
Book / Page2332 / 1930
Map ReferenceCAB 23 SL 970
Instrument DateApr 22, 2022
Transaction TypeTransfer
Record UpdatedMay 11, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,068.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address109 FLAT GAP TRL, 109, CULLOWHEE, NC 28723-6741

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address109 FLAT GAP TRL, CULLOWHEE, NC 28723-6741

Mortgage

Document Number0023321933
DateApr 25, 2022
Instrument2332/1933
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated January 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyJackson County
Unified School DistrictJackson County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$4,510.00 (+85.98%)$1,186,868 (+85.96%) Land $121,220 Building $1,065,648
2023$2,425.00$638,240 Land $94,990 Building $543,250

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 25 policies
Nearby Flood Policies25 in force
Nearby Flood Claims21 (2004–2024)
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 13 claims
  • Tropical Storm Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskModerate
above 48% of the US · above 70% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Optimum Communications
Cable		940 / 35

Based on FCC filings for 31 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

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