114 Black Cloud Dr, Louisburg, NC 27549 Property Records

Franklin County property record for 114 Black Cloud Dr, Louisburg, NC 27549

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,301 sqft · built 1996
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Sep 2022)
Tax Bill	$1,221 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2830-43-1924`

Property Details

APN / Parcel Number

Primary APN	`2830-43-1924`
Alternative APNs	`LR1602 3152` `9039744` `025118`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,301 sqft Total Area
Basement Area	1,301 sqft
Finished Basement	1,301 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	250 ft deep x 80 ft wide
Terrain	Rolling
Porch	Slab
Porch Area	20 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	114 BLACK CLOUD DR
City	LOUISBURG
State	NC
Zip	27549-7341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FCO R-30
Legal Description	PRF 1 SL 181A
Legal Subdivision	ROYALE LOT
Legal Lot Number	3152
Jurisdiction	FRANKLIN NC
Township / Civil Division	CYPRESS CREEK
Census Block Group	3
Census Block	3021
Census Tract	60703

Owner

Source: Franklin County records, as of August 13, 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	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 27, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 27, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 8, 2020	Deed of Trust, Construction Loan · Line of Credit SOUTHERN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Prior Sale	Aug 27, 2021 · Amount on Record
Deed Document Number	202210067012
Deed Book / Page	2314 / 43
Prior Transfer Date	Oct 10, 2008
Prior Transfer Doc	0017100633
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NC
Recording Date	Sep 15, 2022
Property Address	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341
Document Number	0023140043
Book / Page	2314 / 43
Map Reference	FILE 3 SL 181-A
Instrument Date	Sep 13, 2022
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5909 COSTA LN, 5909, WAKE FOREST, NC 27587-4373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341

Mortgage

Document Number	0023140045
Date	Sep 15, 2022
Instrument	2314-0045

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	4 Years
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NC
Property Address	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021670780
Date	Dec 27, 2018
Book Page	2167/0780

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	27548

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NC
Recording Date	Aug 27, 2021
Property Address	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341
Document Number	0022680507
Book / Page	2268 / 507
Map Reference	MB 3 SL 181-A
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$438.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6, CASTALIA, NC 27816-0006

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341

Mortgage

Document Number	0002268509
Date	Aug 27, 2021
Instrument	2268/509

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NC
Recording Date	May 8, 2020
Property Address	114 BLACK CLOUD DR, LOUISBURG, NC 27549-7341
Document Number	0022090101
Book / Page	002209 / 000101
Instrument Date	May 7, 2020
Instrument	10025618
Transaction Type	Construction Loan
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 BLACK CLOUD DR LOUISBURG NC 275497341, LOUISBURG, NC 27549-7341

Mortgage

Document Number	22090101
Date	May 8, 2020
Book Page	002209/000101
Instrument	10025618

Lender

Name	SOUTHERN BK
Type	Bank
Address	NASHVILLE, NC 27856

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Franklin County
Unified School District	Franklin County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,221.00 (+11.71%)	$194,920 (+70.49%) Land $45,000 Building $149,920	$194,920 (+70.49%) Land $45,000 Building $149,920
2023	$1,093.00	$114,330 Land $12,000 Building $102,330	$114,330 Land $12,000 Building $102,330

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · 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	6 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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