162 Stone Fly Dr, Cullowhee, NC 28723 Property Records

Jackson County property record for 162 Stone Fly Dr, Cullowhee, NC 28723

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,512 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Apr 2026)
Tax Bill	$996 (2025)
Deeds & Mortgages	Apr 2026 Sale & Construction Loan Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7559-51-6097`

Property Details

APN / Parcel Number

Primary APN	`7559-51-6097`
Alternative APN	`183018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Street Address	162 STONE FLY DR
City	CULLOWHEE
State	NC
Zip	28723-2129
Property Category	Other
Property Type	Other > Other Improved
Legal Description	TR B OFF EDGEWATER RD
Legal Subdivision	WOODRIDGE
Legal Tract	B
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	1
Census Block	1012
Census Tract	950700

Owner

162 Stone Fly Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Jackson County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	162 STONE FLY DR, CULLOWHEE, NC 28723-2129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · Construction Mortgage CORNERSTONE MORTGAGE INC
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Jul 3, 2019	Warranty Deed, Transfer · Stand-Alone Refinance ENTEGRA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Jul 3, 2019 · Amount on File
Deed Book / Page	2419 / 448
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 30, 2026
Property Address	162 STONE FLY DR, CULLOWHEE, NC 28723-2129
Document Number	2419000448
Book / Page	2419 / 448
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,530.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 STONE FLY DR, CULLOWHEE, NC 28723-2129

Mortgage

Document Number	2419000452,
Date	Apr 30, 2026
Book Page	2419/452

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Apr 8, 2026
Property Address	162 STONE FLY DR, CULLOWHEE, NC 28723-2129
Document Number	2417001107
Book / Page	2417 / 1107
Instrument Date	Apr 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2417001107,
Date	Apr 8, 2026
Book Page	2417/1107

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 3, 2019
Property Address	162 STONE FLY DR, CULLOWHEE, NC 28723-2129
Document Number	0022411748
Book / Page	2241 / 1748
Instrument Date	Jul 2, 2019
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 647, CULLOWHEE, NC 28723-0647

Mortgage

Document Number	0022411751
Date	Jul 3, 2019
Book Page	2241/1751

Lender

Name	ENTEGRA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 162 Stone Fly Dr was $996.

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$262,220 (-) Land $35,290 Building $226,930
2025	$996.00	$262,220 Land $35,290 Building $226,930
2023	$578.00	$152,260 Land $35,290 Building $116,970

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 162 Stone Fly Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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	9 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Wildfire risk around 162 Stone Fly Dr is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

May also be available: AT&T, Optimum, Sky Fi.

Cell Coverage

5G (outdoors only) and 4G LTE

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