1137 Saunders Rd, Franklin, NC 28734 Property Records

Macon County property record for 1137 Saunders Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,500 sqft · built 2000
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Sep 2026)
Tax Bill	$905 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7505333220`

Property Details

APN / Parcel Number

Primary APN	`7505333220`
Alternative APNs	`0238314` `145187`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,500 sqft Heated Area
1st Floor Area	937 sqft
Upper Floors Area	563 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	57,935 sqft (1.33 acres)
Terrain	Rolling
Pool Type	Pool with Hot Tub/Spa
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	145187
Street Address	1137 SAUNDERS RD
City	FRANKLIN
State	NC
Zip	28734-3781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	TRACT A THE GARDENS AT CAT CREEK
Legal Subdivision	THE GARDENS AT CAT CREE
Legal Tract	A
Jurisdiction	MACON NC
Township / Civil Division	MILLSHOAL
Census Block Group	2
Census Block	2058
Census Tract	970400

Owner

1137 Saunders Rd is owned and occupied by two individuals who bought it in September 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1137 SAUNDERS RD, FRANKLIN, NC 28734-3781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 22, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Sep 29, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Dec 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage B&T JEAN INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2026 · Amount on File
Deed Sale	Sep 22, 2026 · Amount on File
Prior Sale	Dec 15, 2021 · Amount on File
Deed Document Number	20266074
Deed Book / Page	44 / 21
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Sep 22, 2026
Property Address	1137 SAUNDERS RD, FRANKLIN, NC 28734-3781
Document Number	0000006074
Book / Page	44 / 21
Instrument Date	Sep 10, 2026
Instrument	20266074
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1137 SAUNDERS RD, FRANKLIN, NC 28734-3781

Mortgage

Document Number	0000006075,
Date	Sep 22, 2026
Instrument	20266075

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	1137 SAUNDERS RD, FRANKLIN, NC 28734-3781
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2087 DOWDLE MOUNTAIN RD, FRANKLIN, NC 28734-4612

Mortgage

Document Number	00C42/2439
Date	Sep 29, 2022
Book Page	C-42/2439
Instrument	2022007501

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 24, 2023

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	1137 SAUNDERS RD, FRANKLIN, NC 28734-3781
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2087 DOWDLE MOUNTAIN RD, FRANKLIN, NC 28734-4612

Mortgage

Document Number	000C42/250
Date	Sep 14, 2022
Book Page	C-42/250
Instrument	2022007068

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Aug 28, 2023

Interest

Rate Type	Adjustable Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Dec 15, 2021
Property Address	1137 SAUNDERS RD, FRANKLIN, NC 28734-3781
Document Number	00M41/1071
Book / Page	M-41 / 1071
Instrument Date	Dec 13, 2021
Instrument	2021011775
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 274, FRANKLIN, NC 28744-0274

Mortgage

Document Number	2021011776
Date	Dec 15, 2021
Instrument	2021011776

Lender

Name	B&T JEAN INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	36 Months
Due	Dec 15, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 1137 Saunders Rd was $905, down 68.6% from the year before.

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	$905.00 (-68.58%)	$231,070 Land $59,480 Building $171,590	$231,070 Land $59,480 Building $171,590
2025	$2,880.00
2023	$853.00	$219,770 Land $59,480 Building $160,290	$219,770 Land $59,480 Building $160,290

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

Flood

FEMA maps place 1137 Saunders Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	16 (1979–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims Hurricane Ivan, Sep 2004 · 5 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

Wildfire risk around 1137 Saunders Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.2% 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 62 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

Cell Coverage

5G (outdoors only) and 4G LTE

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