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3000 Cullowhee Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 3000 Cullowhee Mountain Rd, Cullowhee, NC 28723

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,942 sqft · built 2004
Lot Size3 acres (130,680 sqft)
Owner2 Individual Names on Record
Tax Bill$2,024 (2025)
Deeds & MortgagesMar 2026 Line of Credit
Mar 2021 Mortgage
Flood ZoneZone AE (high risk)
APN7557-25-1118

Property Details

APN / Parcel Number

Primary APN7557-25-1118
Alternative APN
  • 121827

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,942 sqft Heated Area
1st Floor Area1,232 sqft
Upper Floors Area710 sqft
Basement Area1,232 sqft
Unfinished Basement1,232 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area130,680 sqft (3 acres)

Exterior Amenities

PorchSlab
Porch Area48 sqft
Deck Area30 sqft
Patio Area270 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Street Address3000 CULLOWHEE MOUNTAIN RD
CityCULLOWHEE
StateNC
Zip28723-8555
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCULLOWHEE MOUNTAIN RD
Legal SubdivisionJAMES L WATSON AND L W WATSON HEIRS
JurisdictionJACKSON NC
Township / Civil DivisionCULLOWHEE
Census Block Group5
Census Block5028
Census Tract950600

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address3000 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8555
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 3, 2026Deed of Trust, Mortgage · Line of Credit
STATE EMPLOYEES CU
Mar 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON NC
Property Address3000 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8555
Transaction TypeMortgage
Record UpdatedMar 13, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0024150602
DateMar 3, 2026
Book Page2415/602
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressPO BOX 25279, RALEIGH, NC 27611
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Change FrequencyMonthly

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON NC
Property Address3000 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8555
Transaction TypeMortgage
Record UpdatedApr 14, 2021
Title CompanyVYLLA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0022970746
DateMar 30, 2021
Book Page2297/746
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyJackson County
Unified School DistrictJackson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$532,683 (+52%) Land $90,960 Building $441,723
2025$2,024.00 (+52.07%)
2023$1,331.00$350,460 Land $93,580 Building $256,880

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

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 25 policies
Nearby Flood Policies25 in force
Nearby Flood Claims21 (2004–2024)
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
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

ProviderMax Down / Up (Mbps)
Optimum
Cable		940 / 35

Cell Coverage

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

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