242 Cedar Estates Rd, Franklin, NC 28734 Property Records

Macon County property record for 242 Cedar Estates Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,456 sqft · built 1982
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jan 2018)
Tax Bill	$1,271 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Mar 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6582796329`

Property Details

APN / Parcel Number

Primary APN	`6582796329`
Alternative APNs	`0150929` `141662`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,456 sqft Heated Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	144 sqft
Deck Area	120 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	141662
Street Address	242 CEDAR ESTATES RD
City	FRANKLIN
State	NC
Zip	28734-5353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	EAST 1/2 OF 22 & ALL LOT 23 CEDAR RIDGE ESTATE
Legal Subdivision	CEDAR RIDGE ESTATES SUBDIVISION
Legal Lot Number	23
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1026
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	Individual Name on Record
Mailing Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE FEDERAL SAVINGS BANK
Mar 8, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Feb 2, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE FINANCIAL GROUP INC
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 29, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2018 · Amount on Record
Deed Sale	Jan 29, 2018 · Amount on Record
Prior Sale	Mar 23, 2009 · Amount on Record
Deed Document Number	2018660
Deed Book / Page	38 / 480
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00H44/1963
Date	Mar 31, 2026
Book Page	H-44/1963
Instrument	2026001907

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	4120 W DIVERSEY AVE STE C501, CHICAGO, IL 60639

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353
Transaction Type	Mortgage
Record Updated	Mar 22, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00Z42/2346
Date	Mar 8, 2024
Book Page	Z-42/2346
Instrument	2024001238

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00P41/1016
Date	Feb 2, 2022
Book Page	P-41/1016
Instrument	2022000831

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company
Address	TAVARES, FL 32778

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00U39/1747
Date	Mar 19, 2020
Book Page	U-39/1747
Instrument	2020001844

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 29, 2018
Property Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353
Document Number	00K38/0480
Book / Page	K-38 / 0480
Map Reference	MB 4 PG 96
Instrument Date	Jan 16, 2018
Instrument	2018000660
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2682 OLD SMYRNA TRL, 2682, NEW SMYRNA, FL 32168-5380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 CEDAR ESTATES RD, FRANKLIN, NC 28734-5353

Mortgage

Document Number	2018000661
Date	Jan 29, 2018
Instrument	2018000661

Lender

Name	MORTGAGE FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$1,271.00	$355,730 (-) Land $31,090 Building $324,640	$355,730 (-) Land $31,090 Building $324,640
2025	$1,271.00 (+0.95%)	$355,730 (-) Land $31,090 Building $324,640	$355,730 (-) Land $31,090 Building $324,640
2023	$1,259.00	$355,730 Land $31,090 Building $324,640	$355,730 Land $31,090 Building $324,640

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	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

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

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: BalsamWest FiberNET, Frontier.

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