Macon County property record for 128 Garden Ridge Rd, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft · built 2005 |
| Lot Size | 2.46 acres (107,158 sqft) |
| Owner | Individual Name on File |
| Last Sale | $39,000 (Apr 2004) |
| Tax Bill | $1,400 (2026) |
| Deeds & Mortgages | May 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 6588333381 |
| Primary APN | 6588333381 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Heated Area |
| 1st Floor Area | 1,176 sqft |
| Upper Floors Area | 616 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 107,158 sqft (2.46 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 16 sqft |
| Patio Area | 148 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 134302 |
|---|---|
| Street Address | 128 GARDEN RIDGE RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 16 PHASE 1 RED OAK RIDGE |
| Legal Subdivision | PHASE 1 RED OAK RIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | MACON NC |
| Township / Civil Division | COWEE |
| Census Block Group | 1 |
| Census Block | 1084 |
| Census Tract | 970100 |
128 Garden Ridge Rd is owned by an individual who bought it in April 2004.
Source: Macon County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 GOLDEN GROVE DR, FRANKLIN, NC 28734-9431 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2004 · Amount on File |
| Deed Sale | Apr 21, 2004 · Amount on File |
| Deed Book / Page | 27 / 1744 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | May 18, 2026 |
| Property Address | 128 GARDEN RIDGE RD, FRANKLIN, NC 28734 |
| Document Number | 0000003026 |
| Book / Page | 44 / 707 |
| Instrument Date | May 13, 2026 |
| Instrument | 20263026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000003026, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 44/707 |
| Instrument | 20263026 |
| Name | NANTAHALA BANK AND TRUST COMPANY |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 128 Garden Ridge Rd was $1,400.
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,400.00 | $367,980 (-) Land $53,170 Building $314,810 | $367,980 (-) Land $53,170 Building $314,810 |
| 2025 | $1,400.00 | $367,980 Land $53,170 Building $314,810 | $367,980 Land $53,170 Building $314,810 |
| 2023 | $1,388.00 | $367,880 Land $53,170 Building $314,710 | $367,880 Land $53,170 Building $314,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Garden Ridge Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 |
|
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 risk around 128 Garden Ridge Rd is moderate, ranking above 66% 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 66% of the US · above 89% 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
May also be available: AT&T, Skyrunner, Verizon.
5G (outdoors only) and 4G LTE
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