230 First St, Franklin, NC 28734 Property Records

Macon County property record for 230 First St, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 976 sqft · built 1915
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Feb 2019)
Tax Bill	$658 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6595523550`

Property Details

APN / Parcel Number

Primary APN	`6595523550`
Alternative APNs	`0103013` `81118`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	976 sqft Heated Area
1st Floor Area	976 sqft
Basement Area	488 sqft
Unfinished Basement	488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	16,988 sqft (0.39 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	18 sqft
Patio Area	18 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	81118
Street Address	230 FIRST ST
City	FRANKLIN
State	NC
Zip	28734-2792
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FR2
Legal Description	ON FIRST ST
Legal Subdivision	LYMAN FIELD
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1005
Census Tract	970304

Owner

Source: Macon County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	219 FIRST ST, FRANKLIN, NC 28734-2792
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Feb 14, 2019	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2019 · Amount on Record
Deed Sale	Feb 14, 2019 · Amount on Record
Prior Sale	Dec 15, 2000
Deed Document Number	2019913
Deed Book / Page	39 / 2090
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Recording Date	May 7, 2026
Property Address	230 FIRST ST, FRANKLIN, NC 28734-2792
Document Number	0000002781
Book / Page	44 / 1922
Instrument Date	Apr 30, 2026
Instrument	20262781
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 FIRST ST, FRANKLIN, NC 28734-2792

Mortgage

Document Number	0000002781,
Date	May 7, 2026
Book Page	44/1922
Instrument	20262781

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Feb 14, 2019
Property Address	230 FIRST ST, FRANKLIN, NC 28734-2792
Document Number	A39/2090
Book / Page	A-39 / 2090
Map Reference	MB 1-3 PG 56&57
Instrument Date	Feb 14, 2019
Instrument	2019000913
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 FIRST ST, FRANKLIN, NC 28734-2792

Mortgage

Document Number	2019000914
Date	Feb 14, 2019
Instrument	2019000914

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Macon County assessment roll, as of September 22, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Municipality	Franklin Town
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$158,320 (-) Land $34,520 Building $123,800	$158,320 (-) Land $34,520 Building $123,800
2025	$658.00 (+6.47%)	$158,320 (-) Land $34,520 Building $123,800	$158,320 (-) Land $34,520 Building $123,800
2023	$618.00	$158,320 Land $34,520 Building $123,800	$158,320 Land $34,520 Building $123,800

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

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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% 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	TOWN OF FRANKLIN serves 9,992 people · EPA ID NC0157010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Dec 2024 Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Optimum.

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