118 Gem Lake Estates Rd, Franklin, NC 28734 Property Records

Macon County property record for 118 Gem Lake Estates Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,232 sqft · built 1981
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$153,500 (Mar 2020)
Tax Bill	$718 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6588679431`

Property Details

APN / Parcel Number

Primary APN	`6588679431`
Alternative APNs	`1100125` `146489`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Heated Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	1,232 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	260 sqft
Deck Area	64 sqft
Patio Area	548 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	146489
Street Address	118 GEM LAKE ESTATES RD
City	FRANKLIN
State	NC
Zip	28734-4210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 18 GEM LAKE SUBD
Legal Subdivision	GEM LAKE ESTATE SUBD
Legal Tract	1
Legal Lot Number	18
Jurisdiction	MACON NC
Township / Civil Division	COWEE
Census Block Group	1
Census Block	1090
Census Tract	970100

Owner

Source: Macon County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	115 GEM LAKE ESTATES RD, FRANKLIN, NC 28734-4210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 27, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Prior Sale	Sep 4, 1997
Deed Document Number	20202039
Deed Book / Page	39 / 198
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	118 GEM LAKE ESTATES RD, FRANKLIN, NC 28734-4210
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	F41/1353
Date	Sep 9, 2021
Book Page	F-41/1353
Instrument	2021008525

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 27, 2020
Property Address	118 GEM LAKE ESTATES RD, FRANKLIN, NC 28734-4210
Document Number	V39/198
Book / Page	V-39 / 198
Instrument Date	Mar 18, 2020
Instrument	2020002039
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 46, FRANKLIN, NC 28744-0046

Mortgage

Document Number	000V39/202
Date	Mar 27, 2020
Book Page	V-39/202
Instrument	2020002040

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Macon County assessment roll, as of September 22, 2025

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		$172,050 (-) Land $29,680 Building $142,370	$172,050 (-) Land $29,680 Building $142,370
2025	$718.00 (+1.7%)
2023	$706.00	$172,050 Land $29,680 Building $142,370	$172,050 Land $29,680 Building $142,370

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

Flood

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	7 in force
Nearby Flood Claims	6 (2004–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Dec 2015 · river or lake flooding
Claims by Event	Hurricane Ivan, Sep 2004 · 2 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

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

Wildfire Risk	Moderate above 59% of the US · above 82% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
Sky Fi Fixed Wireless	10 / 1
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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