Jackson County property record for 185 Hatcher Falls Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Lot Size | 7 acres (304,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Jun 2021) |
| Tax Bill | $3,242 (2025) |
| Deeds & Mortgages | May 2022 Construction Loan Jun 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 7555-58-3498 |
| Primary APN | 7555-58-3498 |
|---|---|
| Alternative APN |
|
| Lot Area | 304,920 sqft (7 acres) |
|---|
| Street Address | 185 HATCHER FALLS RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 65A CULLOWHEE FOREST |
| Legal Subdivision | CULLOWHEE FALLS |
| Legal Lot Number | 65A |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | MOUNTAIN |
| Census Block Group | 5 |
| Census Block | 5047 |
| Census Tract | 950600 |
Source: Jackson County records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 9221 DEER SPRING LN, CHARLOTTE, NC 28210-7902 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2022 | Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA |
| Jun 7, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on Record |
| Deed Sale | Jun 7, 2021 · Amount on Record |
| Prior Sale | Jan 13, 2010 · Amount on Record |
| Deed Book / Page | 2303 / 1979 |
| Prior Transfer Date | Jan 6, 2010 |
| Prior Transfer Doc | 0018340799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | HATCHER FALLS RD, CULLOWHEE, NC 28723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9221 DEER SPRING LN, CHARLOTTE, NC 28210-7902 |
| Document Number | 0023331923 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 2333/1923 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jun 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Jun 7, 2021 |
| Property Address | HATCHER FALLS RD, CULLOWHEE, NC 28723 |
| Document Number | 0023031979 |
| Book / Page | 2303 / 1979 |
| Map Reference | CAB 16 SL 892 |
| Instrument Date | Jun 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 225 E PONCE DE LEON AVE # AVE208, 225, DECATUR, GA 30030-3444 |
| Name | Verified Name |
|---|---|
| Address | 9221 DEER SPRING LN, CHARLOTTE, NC 28210-7902 |
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,078,698 (+26.4%) Land $104,540 Building $974,158 | |
| 2025 | $3,242.00 (+700.49%) | $853,379 (+700.02%) Land $104,540 Building $748,839 |
| 2023 | $405.00 | $106,670 Land $106,670 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 21 (2004–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 73% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BalsamWest FiberNET Fiber | 1,000 / 500 |
| Starlink Satellite | 280 / 30 |
No cell data coverage reported
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