1126 Black Gap Rd, Franklin, NC 28734 Property Records

Macon County property record for 1126 Black Gap Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,328 sqft · built 2003
Lot Size	5.51 acres (240,016 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Feb 2013)
Tax Bill	$2,075 (2026)
Deeds & Mortgages	Apr 2014 Line of Credit Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6531354102`

Property Details

APN / Parcel Number

Primary APN	`6531354102`
Alternative APNs	`0833485` `144733`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,328 sqft Heated Area
1st Floor Area	1,328 sqft
Attic	Attic
Attic Area	700 sqft
Basement Area	1,328 sqft
Unfinished Basement	1,328 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Logs
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	240,016 sqft (5.51 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	2,936 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	144733
Street Address	1126 BLACK GAP RD
City	FRANKLIN
State	NC
Zip	28734-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 29 RAINBOW MOUNTAIN
Legal Subdivision	RAINBOW MOUNTAIN
Legal Lot Number	29
Jurisdiction	MACON NC
Township / Civil Division	CARTOOGECHAYE
Census Block Group	5
Census Block	5022
Census Tract	970700

Owner

1126 Black Gap Rd is owned and occupied by an individual who acquired it in June 2019.

Source: Macon County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	1126 BLACK GAP RD, FRANKLIN, NC 28734-3166
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2014	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jun 13, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Feb 21, 2013	Trustee's Deed, Foreclosure UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2013 · Amount on File
Deed Sale	Feb 21, 2013 · Amount on File
Deed Document Number	20131180
Deed Book / Page	35 / 1228
Last Transfer Date	Jun 7, 2019
Transfer Doc	G39/0358
Record Updated	Oct 29, 2026

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	1126 BLACK GAP RD, FRANKLIN, NC 28734-3166
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00D36/1470
Date	Apr 2, 2014
Book Page	D-36/1470
Instrument	2014001749

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 28, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Jun 13, 2019
Property Address	1126 BLACK GAP RD, FRANKLIN, NC 28734-3166
Document Number	G39/0358
Book / Page	G-39 / 0358
Instrument Date	Jun 7, 2019
Instrument	2019003660
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1126 BLACK GAP RD, FRANKLIN, NC 28734-3166

Mortgage

Document Number	2019003661
Date	Jun 13, 2019
Instrument	2019003661

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

February 2013: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MACON NC
Recording Date	Feb 21, 2013
Property Address	1126 BLACK GAP RD, FRANKLIN, NC 28734-3166
Document Number	00L35/1228
Book / Page	L-35 / 1228
Instrument Date	Feb 21, 2013
Instrument	2013001180
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013001181
Date	Feb 21, 2013
Instrument	2013001181

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1126 Black Gap Rd was $2,075.

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,075.00	$613,540 (-) Land $70,700 Building $542,840	$613,540 (-) Land $70,700 Building $542,840
2025	$2,075.00	$613,540 Land $70,700 Building $542,840	$613,540 Land $70,700 Building $542,840
2023	$2,063.00	$613,540 Land $70,700 Building $542,840	$613,540 Land $70,700 Building $542,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1126 Black Gap Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 8, 2018 · 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	2 in force

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

Wildfire risk around 1126 Black Gap Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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