295 Narrs Rd, Franklin, NC 28734 Property Records

Macon County property record for 295 Narrs Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,662 sqft · built 1969
Lot Size	1.96 acres (85,378 sqft)
Owner	Individual Name on Record
Last Sale	$257,500 (Jun 2020)
Tax Bill	$1,218 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6590287293`

Property Details

APN / Parcel Number

Primary APN	`6590287293`
Alternative APNs	`0724854` `146978`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,662 sqft Heated Area
1st Floor Area	1,662 sqft
Basement Area	831 sqft
Finished Basement	831 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	85,378 sqft (1.96 acres)
Deck Area	360 sqft
Patio Area	816 sqft
Utility Building	252 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	146978
Street Address	295 NARRS RD
City	FRANKLIN
State	NC
Zip	28734-5166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OFF RD 1636
Legal Subdivision	NORMAN P AND CASSANDRA J MCELVY
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	4
Census Block	4014
Census Tract	970600

Owner

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 NARRS RD, FRANKLIN, NC 28734-5166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jun 22, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Prior Sale	Jun 6, 2013 · Amount on Record
Deed Document Number	20204069
Deed Book / Page	39 / 1274
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	295 NARRS RD, FRANKLIN, NC 28734-5166
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R40/1363
Date	Mar 2, 2021
Book Page	R-40/1363
Instrument	2021001982

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jun 22, 2020
Property Address	295 NARRS RD, FRANKLIN, NC 28734-5166
Document Number	00Z39/1274
Book / Page	Z-39 / 1274
Instrument Date	Jun 18, 2020
Instrument	2020004069
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	162 WELLINGTON ST, 162, ASHEVILLE, NC 28806-4439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 NARRS RD, FRANKLIN, NC 28734-5166

Mortgage

Document Number	2020004070
Date	Jun 22, 2020
Instrument	2020004070

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,218.00	$324,070 (+0.59%) Land $38,580 Building $285,490	$324,070 (+0.59%) Land $38,580 Building $285,490
2025	$1,218.00 (+0.91%)
2023	$1,207.00	$322,170 Land $38,580 Building $283,590	$322,170 Land $38,580 Building $283,590

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2004–2021)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Hurricane Ivan, Sep 2004 · 2 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

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

Wildfire Risk	Moderate above 57% of the US · above 80% of North Carolina
Wildfire Likelihood	0.2% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Frontier DSL	10 / 1

Cell Coverage

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

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