176 Cszonka Rd, Franklin, NC 28734 Property Records

Macon County property record for 176 Cszonka Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,852 sqft · built 2012
Lot Size	3.46 acres (150,718 sqft)
Owner	Individual Name on File
Last Sale	$263,000 (Mar 2017)
Tax Bill	$1,730 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6596522547`

Property Details

APN / Parcel Number

Primary APN	`6596522547`
Alternative APNs	`0100243` `139374`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,852 sqft Heated Area
1st Floor Area	1,852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	150,718 sqft (3.46 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Mixed
Garage Area	638 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	1,080 sqft
Patio Area	688 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	139374
Street Address	176 CSZONKA RD
City	FRANKLIN
State	NC
Zip	28734-6621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PT OF LOT 5 BLK C RIVERBEND EST
Legal Subdivision	RIVERBEND ESTATES
Legal Block	C
Legal Lot Number	5
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1026
Census Tract	970303

Owner

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

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	PO BOX 2207, FRANKLIN, NC 28744-2207
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO
Mar 6, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 6, 2017 · Amount on Record
Deed Sale	Mar 6, 2017 · Amount on Record
Prior Sale	Jul 18, 2013 · Amount on Record
Deed Document Number	20171455
Deed Book / Page	37 / 869
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	176 CSZONKA RD, FRANKLIN, NC 28734-6621
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00V41/1977
Date	May 17, 2022
Book Page	V-41/1977
Instrument	2022003852

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.5%
Index	Other
Margin	3
Max Rate	8.5%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 6, 2017
Property Address	176 CSZONKA RD, FRANKLIN, NC 28734-6621
Document Number	00V37/0869
Book / Page	V-37 / 0869
Map Reference	DD O9 PG 264
Instrument Date	Feb 21, 2017
Instrument	2017001455
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$526.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 JACOBS MOUNTAIN RD, FRANKLIN, NC 28734-0932

Mortgage

Document Number	00V37/0873
Date	Mar 6, 2017
Book Page	V-37/0873

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company
Address	TAVARES, FL 32778

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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		$473,670 (+8.52%) Land $92,350 Building $381,320	$473,670 (+8.52%) Land $92,350 Building $381,320
2025	$1,730.00 (+5.81%)
2023	$1,635.00	$436,470 Land $92,350 Building $344,120	$436,470 Land $92,350 Building $344,120

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HERITAGE HILLS private · serves 74 people · EPA ID NC0157150
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile USA.

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