Macon County property record for 295 Carter Ln, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,060 sqft · built 1975 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $637 (2026) |
| Deeds & Mortgages | Nov 2025 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6542938414 |
| Primary APN | 6542938414 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,060 sqft Heated Area |
| 1st Floor Area | 1,060 sqft |
| Basement Area | 1,060 sqft |
| Finished Basement | 1,060 sqft |
| Game Room | Game Room |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 50,094 sqft (1.15 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
|---|---|
| Porch Area | 198 sqft |
| Deck Area | 1,394 sqft |
| Patio Area | 208 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 99751 |
|---|---|
| Street Address | 295 CARTER LN |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-8344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | OFF OLD 64 WEST |
| Jurisdiction | MACON NC |
| Township / Civil Division | CARTOOGECHAYE |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 970700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 295 CARTER LN, FRANKLIN, NC 28734-8344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 9, 2007 |
| Transfer Doc | 00E31/0467 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 295 CARTER LN, FRANKLIN, NC 28734-8344 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 295 CARTER LN, FRANKLIN, NC 28734-8344 |
| Document Number | 00B44/2482 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | B-44/2482 |
| Instrument | 2025007294 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | 8023 E 63RD PL STE 700, TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 959 Months |
| Due | Oct 21, 2105 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.43% |
| Max Rate At Change | 11.1% |
| Index | 1-Year CMT |
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $637.00 | $162,490 (-) Land $38,450 Building $124,040 | $162,490 (-) Land $38,450 Building $124,040 |
| 2025 | $637.00 (+1.92%) | $162,490 (+0.06%) Land $38,450 Building $124,040 | $162,490 (+0.06%) Land $38,450 Building $124,040 |
| 2023 | $625.00 | $162,390 Land $38,450 Building $123,940 | $162,390 Land $38,450 Building $123,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| BalsamWest FiberNET Fixed Wireless | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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