28 Black Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 28 Black Mountain Rd, Cullowhee, NC 28723

Property Summary

Property Type	Residential Vacant Land
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Apr 2025)
Tax Bill	$174 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7569-25-8634`

Property Details

APN / Parcel Number

Primary APN	`7569-25-8634`
Alternative APN	`182462`

Exterior

Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	28 BLACK MOUNTAIN RD
City	CULLOWHEE
State	NC
Zip	28723-8170
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LT 28 LAPORTE ACRES
Legal Subdivision	LA PORTE ACRES
Legal Lot Number	28
Jurisdiction	JACKSON NC
Township / Civil Division	RIVER
Census Block Group	1
Census Block	1016
Census Tract	950700

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4616 PLAYER CT, TAMPA, FL 33624-4517
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 25, 2021	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP
Mar 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2025 · Amount on Record
Deed Sale	Apr 10, 2025 · Amount on Record
Prior Sale	Jan 25, 2023 · Amount on Record
Deed Book / Page	2395 / 1083
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jan 25, 2023
Property Address	28 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8170
Document Number	0023500686
Book / Page	2350 / 686
Map Reference	CAB 3 SL 109
Instrument Date	Jan 25, 2023
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 CROWS REST RD, CULLOWHEE, NC 28723-8671

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CROWS REST RD, CULLOWHEE, NC 28723-8671

Mortgage

Document Number	0002350691
Date	Jan 25, 2023
Instrument	2350/691

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2043

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 25, 2021
Property Address	28 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8170
Document Number	0023060023
Book / Page	2306 / 23
Map Reference	CAB 3 SL 109
Instrument Date	Jun 24, 2021
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 CROWS REST RD, 15, CULLOWHEE, NC 28723-8671

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 PINE VIEW RD, HAMILTON, MT 59840-9387

Mortgage

Document Number	0000230629
Date	Jun 25, 2021
Instrument	2306/29

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 19, 2019
Property Address	28 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8170
Document Number	0022331177
Book / Page	002233 / 001177
Instrument Date	Mar 14, 2019
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$14.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CROWS REST RD CULLOWHEE NC 287238671, CULLOWHEE, NC 28723-8671

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$45,860 (+81.62%) Land $45,860
2025	$174.00 (+83.16%)
2023	$95.00	$25,250 Land $25,250

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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	9 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 55% of the US · above 77% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Sky Fi Fixed Wireless	10 / 1

May also be available: Optimum, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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