Macon County property record for 151 Gemstone Dr, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,109 sqft · built 1955 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $315 (2025) |
| Deeds & Mortgages | Oct 2020 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6598226230 |
| Primary APN | 6598226230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,109 sqft Heated Area |
| 1st Floor Area | 1,109 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 3,049 sqft (0.07 acres) |
| Terrain | Rolling |
| Porch | Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 24 sqft |
| Patio Area | 24 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 109535 |
|---|---|
| Street Address | 151 GEMSTONE DR |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-0398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 1 (OAK) GEMSTONE COTTAGES |
| Legal Subdivision | GEMSTONE COTTAGES |
| Legal Lot Number | 1 |
| Jurisdiction | MACON NC |
| Township / Civil Division | COWEE |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 970100 |
Source: Macon County records · APN 6598226230
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 | Individual Name on File |
|---|---|
| Mailing Address | 151 GEMSTONE DR, FRANKLIN, NC 28734-0398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 151 GEMSTONE DR, FRANKLIN, NC 28734-0398 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MORTGAGE INFORMATION SVCS IN |
| Name | Verified Name |
|---|---|
| Address | 151 GEMSTONE DR, FRANKLIN, NC 28734-0398 |
| Document Number | H40/1587 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | H-40/1587 |
| Instrument | 2020008056 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | EDGEWATER, MD 21037 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 918 Months |
| Due | Apr 08, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.34% |
| Type Change Date | Jul 01, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
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 | $112,580 (-) Land $20,080 Building $92,500 | $112,580 (-) Land $20,080 Building $92,500 | |
| 2025 | $315.00 (+3.96%) | ||
| 2023 | $303.00 | $112,580 Land $20,080 Building $92,500 | $112,580 Land $20,080 Building $92,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 58% of the US · above 81% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| Optimum Communications Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
Based on FCC filings for 23 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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