186 Grayling Dr, Cullowhee, NC 28723 Property Records

Jackson County property record for 186 Grayling Dr, Cullowhee, NC 28723

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,865 sqft · built 2021
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Apr 2026)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone AE (high risk)
APN	`7559-71-7449`

Property Details

APN / Parcel Number

Primary APN	`7559-71-7449`
Alternative APN	`183121`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,865 sqft Living Area
1st Floor Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	186 GRAYLING DR
City	CULLOWHEE
State	NC
Zip	28723
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LT 28 CULLOWHEE RIVER CLUB
Legal Subdivision	CULLOWHEE RIVER CLUB
Legal Lot Number	28
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	3
Census Block	3020
Census Tract	950600

Owner

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	9530 HAMPTON OAKS LN, CHARLOTTE, NC 28270-0457
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Construction Mortgage HOWARD HANNA MORTGAGE SERVICES
Apr 17, 2026	Warranty Deed, Transfer · Construction Mortgage HOWARD HANNA MORTGAGE SERVICES
Sep 21, 2021	Warranty Deed, Transfer · Conventional Mortgage COASTAL FCU
Jul 24, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Sep 21, 2021 · Amount on Record
Deed Book / Page	2418 / 708
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Apr 17, 2026
Property Address	186 GRAYLING DR, CULLOWHEE, NC 28723
Document Number	2418000711
Book / Page	2418 / 711
Instrument Date	Apr 16, 2026
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9530 HAMPTON OAKS LN, CHARLOTTE, NC 28270-0457

Mortgage

Document Number	2418000711,
Date	Apr 17, 2026
Book Page	2418/711

Lender

Name	HOWARD HANNA MORTGAGE SERVICES

Agreement

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

Interest

Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 17, 2026
Property Address	186 GRAYLING DR, CULLOWHEE, NC 28723
Document Number	2418000708
Book / Page	2418 / 708
Instrument Date	Apr 14, 2026
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9530 HAMPTON OAKS LN, CHARLOTTE, NC 28270-0457

Mortgage

Document Number	2418000711,
Date	Apr 17, 2026
Book Page	2418/711

Lender

Name	HOWARD HANNA MORTGAGE SERVICES

Agreement

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

Interest

Rate	6%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 21, 2021
Property Address	186 GRAYLING DR, CULLOWHEE, NC 28723-1799
Document Number	0023141502
Book / Page	2314 / 1502
Map Reference	CAB 22 SL 230
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2405, CULLOWHEE, NC 28723-2405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8461 SANDYCOMBE DR, NEW ALBANY, OH 43054-7522

Mortgage

Document Number	0023141506
Date	Sep 21, 2021
Instrument	2314/1506

Lender

Name	COASTAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 24, 2019
Property Address	186 GRAYLING DR, CULLOWHEE, NC 28723-1799
Document Number	0022430075
Book / Page	002243 / 000075
Instrument Date	Jul 15, 2019
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$364.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	81 PRESERVE RD SYLVA NC 287799372, SYLVA, NC 28779-9372

Tax Assessment & Valuation

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		$657,504 (-) Land $150,000 Building $507,504
2025	$2,498.00 (+30.65%)	$657,504 (+30.62%) Land $150,000 Building $507,504
2023	$1,912.00	$503,390 Land $180,000 Building $323,390

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (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

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

Wildfire Risk	Moderate above 40% of the US · above 58% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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