278 Franklin St, Brevard, NC 28712 Property Records

Transylvania County property record for 278 Franklin St, Brevard, NC 28712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1945
Lot Size	0.26 acres (11,339 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (May 2022)
Tax Bill	$2,090 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8586-70-6994-000`

Property Details

APN / Parcel Number

Primary APN	`8586-70-6994-000`
Alternative APNs	`55015001` `70556040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,492 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1995
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,339 sqft (0.26 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	70556040
Street Address	278 FRANKLIN ST
City	BREVARD
State	NC
Zip	28712-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FRANKLIN ST
Legal Subdivision	THE FRANKLIN PARK IMPROVEMENT COMPANY
Jurisdiction	TRANSYLVANIA NC
Township / Civil Division	BREVARD
Census Block Group	3
Census Block	3006
Census Tract	960301

Owner

278 Franklin St is owned by two individuals who bought it in May 2022.

Source: Transylvania County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2809 FARRAR PL, AUGUSTA, GA 30909-3736
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 6, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 6, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Jan 1, 2000
Deed Document Number	20222938
Deed Book / Page	1035 / 644
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRANSYLVANIA NC
Recording Date	May 5, 2022
Property Address	278 FRANKLIN ST, BREVARD, NC 28712-3409
Document Number	0010350644
Book / Page	1035 / 644
Map Reference	MB 1 PG 71
Instrument Date	May 5, 2022
Instrument	2022002938
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	273 FRANKLIN ST, 273, BREVARD, NC 28712-3474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 FARRAR PL, AUGUSTA, GA 30909-3736

Mortgage

Document Number	2022002939
Date	May 5, 2022
Instrument	2022002939

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	278 FRANKLIN ST, BREVARD, NC 28712-3409
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009650339
Date	Feb 9, 2021
Book Page	965/339
Instrument	2021001064

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	278 FRANKLIN ST, BREVARD, NC 28712-3409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDER RECORDING SERVICES IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008320506
Date	Feb 6, 2018
Book Page	832/506
Instrument	2018000625

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BREVARD, NC 28712

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRANSYLVANIA NC
Property Address	278 FRANKLIN ST, BREVARD, NC 28712-3409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008320490
Date	Feb 6, 2018
Book Page	832/490
Instrument	2018000624

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Change Frequency	5 Years
Index	5-Year CMT
Max Rate	3.25%

Tax Assessment & Valuation

The 2026 property tax bill for 278 Franklin St was $2,090.

Source: Transylvania County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Brevard City
County	Transylvania County
Unified School District	Transylvania County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,090.00	$509,360 Land $100,000 Building $409,360	$509,360 Land $100,000 Building $409,360
2023	$1,244.00	$206,260 Land $60,000 Building $146,260	$206,260 Land $60,000 Building $146,260

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 278 Franklin St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 26, 2017 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 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

Wildfire risk around 278 Franklin St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF BREVARD serves 11,336 people · EPA ID NC0188010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Comporium Cable	2,000 / 200
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon, Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Franklin St

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