186 Ginger Tree Ln, Franklin, NC 28734 Property Records

Macon County property record for 186 Ginger Tree Ln, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 968 sqft · built 1985
Lot Size	1.09 acres (47,480 sqft)
Owner	Company Name on File
Last Sale	$183,500 (Feb 2020)
Tax Bill	$963 (2023)
Deeds & Mortgages	Mar 2024 Transfer Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6582877084`

Property Details

APN / Parcel Number

Primary APN	`6582877084`
Alternative APNs	`0107192` `146231` `157179`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	968 sqft Heated Area
1st Floor Area	968 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Lot Area	47,480 sqft (1.09 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	157179
Street Address	186 GINGER TREE LN
City	FRANKLIN
State	NC
Zip	28734-5373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 15 LORELEI HILLS
Legal Subdivision	LORELEI HILLS
Legal Lot Number	15
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1032
Census Tract	970600

Owner

186 Ginger Tree Ln is owned by a company that acquired it in March 2024.

Source: Macon County records, as of October 6, 2026

Owner of Record	Company Name on File
Mailing Address	186 GINGER TREE LN, FRANKLIN, NC 28734-5373
Owner Type	Company
Vesting	Life Estate

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
Mar 25, 2024	Intrafamily Transfer, Transfer
Nov 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CAROLINA FARM CREDIT ACA
Feb 10, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2020 · Amount on File
Deed Sale	Feb 10, 2020 · Amount on File
Prior Sale	Apr 30, 2010 · Amount on File
Deed Document Number	2020900
Deed Book / Page	39 / 1720
Last Transfer Date	Mar 21, 2024
Transfer Doc	00A43/1500
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Mar 25, 2024
Property Address	186 GINGER TREE LN, FRANKLIN, NC 28734-5373
Document Number	00A43/1500
Book / Page	A-43 / 1500
Instrument Date	Mar 21, 2024
Instrument	2024001583
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	186 GINGER TREE LN, FRANKLIN, NC 28734-5373

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	186 GINGER TREE LN, FRANKLIN, NC 28734-5373
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00X38/2112
Date	Nov 26, 2018
Book Page	X-38/2112
Instrument	2018008117

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Feb 10, 2020
Property Address	186 GINGER TREE LN, FRANKLIN, NC 28734-5373
Document Number	00S39/1720
Book / Page	S-39 / 1720
Instrument Date	Jan 10, 2020
Instrument	2020000900
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Tax	$367.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 GINGER TREE LN, FRANKLIN, NC 28734-5373

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

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		$264,040 (-) Land $32,700 Building $231,340	$264,040 (-) Land $32,700 Building $231,340
2025		$264,040 Land $32,700 Building $231,340	$264,040 Land $32,700 Building $231,340
2023	$963.00	$264,140 Land $32,700 Building $231,440	$264,140 Land $32,700 Building $231,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 186 Ginger Tree Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · Hurricane Ivan
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

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 186 Ginger Tree Ln is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	LAUREL HILLS private · serves 26 people · EPA ID NC1057025
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 57 locations within half a mile, as of December 31, 2025

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

May also be available: BalsamWest FiberNET, Frontier.

Cell Coverage

5G and 4G LTE (outdoors only)

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