2946 Cullowhee Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 2946 Cullowhee Mountain Rd, Cullowhee, NC 28723

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,876 sqft · built 1995
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$729 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`7557-25-0369`

Property Details

APN / Parcel Number

Primary APN	`7557-25-0369`
Alternative APN	`41387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,876 sqft Heated Area
1st Floor Area	1,876 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	2946 CULLOWHEE MOUNTAIN RD
City	CULLOWHEE
State	NC
Zip	28723-8512
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	TR B CULLOWHEE MTN RD
Legal Tract	B
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	5
Census Block	5028
Census Tract	950600

Owner

2946 Cullowhee Mountain Rd, a mobile home, is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2946 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8512
Occupancy	Owner Occupied
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
Oct 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS FCU
Aug 11, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 19, 2021
Transfer Doc	0023171368
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON NC
Recording Date	Oct 25, 2021
Property Address	2946 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8512
Document Number	0023171368
Book / Page	2317 / 1368
Instrument Date	Oct 19, 2021
Transaction Type	Transfer
Record Updated	Nov 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2946 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8512

Mortgage

Document Number	23171371
Date	Oct 25, 2021
Instrument	2317/1371

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	2946 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8512
Document Number	0021971584
Book / Page	002197 / 001584
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2946 CULLOWHEE MOUNTAIN RD CULLOWHEE NC 287238512, CULLOWHEE, NC 28723-8512

Mortgage

Document Number	0021971584
Date	Sep 27, 2017
Book Page	002197/001584

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 26, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.62%

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 11, 2017
Property Address	2946 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8512
Document Number	0021950141
Book / Page	002195 / 000141
Instrument Date	Aug 11, 2017
Transaction Type	Transfer
Record Updated	Aug 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2946 CULLOWHEE MOUNTAIN RD CULLOWHEE NC 287238512, CULLOWHEE, NC 28723-8512

Tax Assessment & Valuation

The 2025 property tax bill for 2946 Cullowhee Mountain Rd was $729.

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		$192,032 (-) Land $78,880 Building $113,152
2025	$729.00	$192,032 Land $78,880 Building $113,152
2023	$523.00	$137,640 Land $81,400 Building $56,240

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2946 Cullowhee Mountain Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	21 (2004–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 13 claims Tropical Storm Frances, Sep 2004 · 3 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

Wildfire risk around 2946 Cullowhee Mountain Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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