220 Bear Mountain Rd, Franklin, NC 28734 Property Records

Macon County property record for 220 Bear Mountain Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 2005
Lot Size	3.17 acres (138,085 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Aug 2026)
Tax Bill	$1,317 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`6592580981`

Property Details

APN / Parcel Number

Primary APN	`6592580981`
Alternative APNs	`0128155` `147451`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,708 sqft Heated Area
1st Floor Area	1,708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	138,085 sqft (3.17 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	232 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	147451
Street Address	220 BEAR MOUNTAIN RD
City	FRANKLIN
State	NC
Zip	28734-5527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 4 BEECH MTN DEVELOPMENT
Legal Subdivision	BEECH MTN DEV
Legal Tract	4
Legal Lot Number	4
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2016
Census Tract	970600

Owner

Source: Macon County records, as of October 6, 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	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 13, 2020	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Apr 7, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
May 30, 2017	Warranty Deed, Transfer
May 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Aug 21, 2020 · Amount on Record
Deed Document Number	20265054
Deed Book / Page	44 / 1829
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 10, 2026
Property Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Document Number	0000005054
Book / Page	44 / 1829
Instrument Date	Aug 6, 2026
Instrument	20265054
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$76,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 21, 2020
Property Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Document Number	D40/254
Book / Page	D-40 / 254
Instrument Date	Aug 17, 2020
Instrument	2020005882
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527

Mortgage

Document Number	2020005883
Date	Aug 21, 2020
Instrument	2020005883

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R39/0711
Date	Jan 13, 2020
Book Page	R-39/0711
Instrument	2020000203

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 7, 2020
Property Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Document Number	V39/1466
Book / Page	V-39 / 1466
Instrument Date	Mar 26, 2019
Instrument	2020002279
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3655 LEEWOOD LN, JACKSONVILLE, FL 32217-4220

Mortgage

Document Number	2020002280
Date	Apr 7, 2020
Instrument	2020002280

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	May 30, 2017
Property Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Document Number	Y37/2085
Book / Page	Y-37 / 2085
Map Reference	MB N24 PG 394
Instrument Date	May 23, 2017
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Tax	$442.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	May 30, 2017
Property Address	220 BEAR MOUNTAIN RD, FRANKLIN, NC 28734-5527
Document Number	Y37/2082
Book / Page	Y-37 / 2082
Map Reference	MB A29 PG 1274
Instrument Date	May 16, 2017
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3284 PRATT RD, 3284, METAMORA, MI 48455-9710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 MACHBURN BRANCH COVE RD, FRANKLIN, NC 28734-4912

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		$379,220 (+2.79%) Land $85,350 Building $293,870	$379,220 (+2.79%) Land $85,350 Building $293,870
2025	$1,317.00 (+0.92%)	$368,920 (-) Land $85,350 Building $283,570	$368,920 (-) Land $85,350 Building $283,570
2023	$1,305.00	$368,920 Land $85,350 Building $283,570	$368,920 Land $85,350 Building $283,570

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

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 47% of the US · above 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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