185 Mallory Oak Dr, Franklinton, NC 27525 Property Records

Franklin County property record for 185 Mallory Oak Dr, Franklinton, NC 27525

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 2020
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,500 (Sep 2020)
Tax Bill	$1,940 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1864-46-6744`

Property Details

APN / Parcel Number

Primary APN	`1864-46-6744`
Alternative APNs	`1033524` `044527`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Total Area
Basement Area	1,832 sqft
Finished Basement	1,832 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Raised Ranch
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached - Finished
Garage Area	400 sqft
Porch	Patio
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	185 MALLORY OAK DR
City	FRANKLINTON
State	NC
Zip	27525-8457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FCO R-8
Legal Subdivision	CLEARWATER CREEK LOT
Legal Lot Number	43
Jurisdiction	FRANKLIN NC
Township / Civil Division	FRANKLINTON
Census Block Group	2
Census Block	2065
Census Tract	60404

Owner

Source: Franklin County records, as of June 23, 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	185 MALLORY OAK DR, FRANKLINTON, NC 27525-8457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL FEDERAL CREDIT UNION
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL FEDERAL FINANCIAL GROUP LLC
Sep 4, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Deed Book / Page	2222 / 749
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NC
Recording Date	Jun 17, 2026
Property Address	185 MALLORY OAK DR, FRANKLINTON, NC 27525-8457
Document Number	0010114632
Book / Page	2434 / 1379
Instrument Date	Jun 12, 2026
Instrument	202610114632
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MALLORY OAK DR, FRANKLINTON, NC 27525-8457

Mortgage

Document Number	0010114632,
Date	Jun 17, 2026
Book Page	2434/1379
Instrument	202610114632

Lender

Name	COASTAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NC
Property Address	185 MALLORY OAK DR, FRANKLINTON, NC 27525-8457
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023121915
Date	Aug 31, 2022
Book Page	2312/1915

Lender

Name	COASTAL FEDERAL FINANCIAL GROUP LLC
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FRANKLIN NC
Recording Date	Sep 4, 2020
Property Address	185 MALLORY OAK DR, FRANKLINTON, NC 27525-8457
Document Number	0022220749
Book / Page	2222 / 749
Map Reference	MB 2018 PG 287-291
Instrument Date	Sep 4, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$583.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2857 WESTPORT RD, 2857, CHARLOTTE, NC 28208-3647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MALLORY OAK DR, FRANKLINTON, NC 27525-8457

Mortgage

Document Number	0002222751
Date	Sep 4, 2020
Instrument	2222/751

Lender

Name	AMERICAN SECURITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,940.00 (+1.78%)	$321,130 (+54.61%) Land $76,130 Building $245,000	$321,130 (+54.61%) Land $76,130 Building $245,000
2023	$1,906.00	$207,700 Land $43,500 Building $164,200	$207,700 Land $43,500 Building $164,200

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 September 18, 2025 · 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	1 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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	FRANKLIN COUNTY WATER & SEWER serves 26,060 people · EPA ID NC0235030
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids currently in violation since Jul 2026 Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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