242 Gemstone Dr, Franklin, NC 28734 Property Records

Macon County property record for 242 Gemstone Dr, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 576 sqft · built 1955
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$97,500 (Apr 2022)
Tax Bill	$468 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6598226248`

Property Details

APN / Parcel Number

Primary APN	`6598226248`
Alternative APNs	`1135634` `144760` `152157`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	576 sqft Heated Area
1st Floor Area	576 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Deck Area	244 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	152157
Street Address	242 GEMSTONE DR
City	FRANKLIN
State	NC
Zip	28734-4168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 5 (AZALEA) GEMSTONE COTTAGES
Legal Subdivision	GEMSTONE COTTAGES
Legal Lot Number	5
Jurisdiction	MACON NC
Township / Civil Division	COWEE
Census Block Group	1
Census Block	1046
Census Tract	970100

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	Company Name on Record
Mailing Address	532 TAMIAMI TRL, 5, PORT CHARLOTTE, FL 33953-2143
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Apr 12, 2022	Warranty Deed, Transfer · Commercial Mortgage HOMETOWN EQUITY MORTGAGE
Oct 26, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Oct 26, 2020 · Amount on Record
Deed Document Number	20222838
Deed Book / Page	41 / 1599
Prior Transfer Date	Mar 15, 2013
Prior Transfer Doc	0N35/01782
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	242 GEMSTONE DR, FRANKLIN, NC 28734-4168
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 KNOVACS ROAD, FRANKLIN, NC 28734-1401

Mortgage

Document Number	000T40/371
Date	Mar 22, 2021
Book Page	T-40/371
Instrument	2021002693

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 12, 2022
Property Address	242 GEMSTONE DR, FRANKLIN, NC 28734-4168
Document Number	00T41/1599
Book / Page	T-41 / 1599
Map Reference	CARD 2929
Instrument Date	Mar 28, 2022
Instrument	2022002838
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 KOVACS RD, 20, FRANKLIN, NC 28734-1401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 ESCALANTE DR, NORTH PORT, FL 34287-2849

Mortgage

Document Number	2022002839
Date	Apr 12, 2022
Instrument	2022002839

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Oct 26, 2020
Property Address	242 GEMSTONE DR, FRANKLIN, NC 28734-4168
Document Number	00H40/2363
Book / Page	H-40 / 2363
Map Reference	CARD 2929
Instrument Date	Oct 19, 2020
Instrument	2020008180
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 TRACHELLE LN, 15, CHARLESTON, SC 29407-3774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 E PALMER ST, FRANKLIN, NC 28734-3018

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	$468.00	$100,070 (-) Land $26,550 Building $73,520	$100,070 (-) Land $26,550 Building $73,520
2025	$468.00 (+2.63%)	$100,070 (-) Land $26,550 Building $73,520	$100,070 (-) Land $26,550 Building $73,520
2023	$456.00	$100,070 Land $26,550 Building $73,520	$100,070 Land $26,550 Building $73,520

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (2004–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Dec 2015 · river or lake flooding
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 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gemstone Dr

Nearby Streets

All Franklin, NC Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures