Macon County property record for 12 Gem Lake Estates Rd, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,330 sqft · built 1978 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Aug 2025) |
| Tax Bill | $975 (2023) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6588667956 |
| Primary APN | 6588667956 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,330 sqft Heated Area |
| 1st Floor Area | 1,330 sqft |
| Basement Area | 1,234 sqft |
| Finished Basement | 1,234 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 222 sqft |
| Deck Area | 50 sqft |
| Patio Area | 120 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 150949 |
|---|---|
| Street Address | 12 GEM LAKE ESTATES RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-4208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | ON S.R. 1351 GEM LAKE EST |
| Legal Subdivision | GEM LAKE ESTATE SUBD |
| Jurisdiction | MACON NC |
| Township / Civil Division | COWEE |
| Census Block Group | 1 |
| Census Block | 1090 |
| Census Tract | 970100 |
Source: Macon County records · APN 6588667956
Assessment roll updated September 22, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 12 GEM LAKE ESTATES RD, FRANKLIN, NC 28734-4208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 18, 2025 · Amount on Record |
| Deed Sale | Aug 18, 2025 · Amount on Record |
| Prior Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 20254916 |
| Deed Book / Page | 43 / 2404 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Oct 25, 2021 |
| Property Address | 12 GEM LAKE ESTATES RD, FRANKLIN, NC 28734-4208 |
| Document Number | J41/152 |
| Book / Page | J-41 / 152 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 2021010153 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $432.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 720 MAIN ST, 720, LAKE DALLAS, TX 75065-3041 |
| Name | Verified Name |
|---|---|
| Address | 12 GEM LAKE ESTATES RD, FRANKLIN, NC 28734-4208 |
| Document Number | 2021010154 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 2021010154 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Nov 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 1-Year LIBOR |
| Max Rate | 9.15% |
Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $249,250 (-) Land $77,500 Building $171,750 | $249,250 (-) Land $77,500 Building $171,750 | |
| 2023 | $975.00 | $249,250 Land $77,500 Building $171,750 | $249,250 Land $77,500 Building $171,750 |
Source: FEMA National Flood Hazard Layer as of November 8, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 59% of the US · above 81% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
| BalsamWest FiberNET Fixed Wireless | 10 / 1 |
| Frontier DSL | 10 / 1 |
Based on FCC filings for 37 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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