Macon County property record for 275 Ray Downs Rd, Franklin, NC 28734 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1982 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $574 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7504712765 |
| Primary APN | 7504712765 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 864 sqft Heated Area |
| 1st Floor Area | 864 sqft 1st Floor |
| Basement Area | 864 sqft Basement |
| Unfinished Basement | 864 sqft Unfinished |
| Stories | 1 Story |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 23,522 sqft (0.54 acres) |
| Deck Area | 56 sqft Deck |
| Patio Area | 248 sqft Patio |
| Terrain | Rolling |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 58035 |
|---|---|
| Street Address | 275 RAY DOWNS RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-4975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CULLASAJA RD 1698 |
| Jurisdiction | MACON NC |
| Township / Civil Division | ELLIJAY |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 970600 |
Source: Macon County records · APN 7504712765
Assessment roll updated September 22, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 275 RAY DOWNS RD, FRANKLIN, NC 28734-4975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Jul 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 275 RAY DOWNS RD, FRANKLIN, NC 28734-4975 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | G41/2074 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | G-41/2074 |
| Instrument | 2021009136 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 275 RAY DOWNS RD, FRANKLIN, NC 28734-4975 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | S39/0618 |
|---|---|
| Date | Jan 30, 2020 |
| Book Page | S-39/0618 |
| Instrument | 2020000661 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 275 RAY DOWNS RD, FRANKLIN, NC 28734-4975 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017004916 |
|---|---|
| Date | Jul 28, 2017 |
| Book Page | B-38/1598 |
| Instrument | 2017004916 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142,980 (-) Land $28,920 Building $114,060 | $142,980 (-) Land $28,920 Building $114,060 | |
| 2025 | $574.00 (+2.14%) | ||
| 2023 | $562.00 | $142,980 Land $28,920 Building $114,060 | $142,980 Land $28,920 Building $114,060 |
Source: FEMA National Flood Hazard Layer, Macon County (37113C), updated November 8, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 45% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,220 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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