3106 Cullowhee Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 3106 Cullowhee Mountain Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Jul 2026)
Tax Bill	$845 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7557-24-1585`

Property Details

APN / Parcel Number

Primary APN	`7557-24-1585`
Alternative APN	`179322`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
1st Floor Area	1,248 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	3106 CULLOWHEE MOUNTAIN RD
City	CULLOWHEE
State	NC
Zip	28723-8514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 HENNESSEE
Legal Tract	1
Legal Lot Number	1
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	5
Census Block	5028
Census Tract	950600

Owner

3106 Cullowhee Mountain Rd is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3106 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Mar 4, 2020	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Jun 30, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Mar 4, 2020 · Amount on File
Deed Book / Page	2423 / 174
Prior Transfer Date	May 22, 2009
Prior Transfer Doc	2423000130
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 1, 2026
Property Address	3106 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8514
Document Number	2423000174
Book / Page	2423 / 174
Instrument Date	Jun 30, 2026
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,874.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8514

Mortgage

Document Number	2423000179,
Date	Jul 1, 2026
Book Page	2423/179

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 4, 2020
Property Address	3106 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8514
Document Number	0022620115
Book / Page	2262 / 115
Map Reference	CAB 1 SL 153
Instrument Date	Mar 4, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 E COPE CREEK RD, 142, SYLVA, NC 28779-9507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8514

Mortgage

Document Number	2262118
Date	Mar 4, 2020
Instrument	2262/118

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Index	5-Year TN
Margin	2
Max Rate	6%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 30, 2026
Property Address	3106 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8514
Document Number	2423000130
Book / Page	2423 / 130
Instrument Date	May 22, 2009
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 3106 Cullowhee Mountain Rd was $845.

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		$222,592 (-) Land $34,000 Building $188,592
2025	$845.00	$222,592 Land $34,000 Building $188,592
2023	$560.00	$147,620 Land $34,000 Building $113,620

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

Flood

FEMA maps place 3106 Cullowhee Mountain Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 3106 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

No cell data coverage reported

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