3398 Cullowhee Forest Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 3398 Cullowhee Forest Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,506 sqft · built 1994
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Oct 2025)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7555-48-2720`

Property Details

APN / Parcel Number

Primary APN	`7555-48-2720`
Alternative APN	`141912`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,506 sqft Heated Area
1st Floor Area	2,080 sqft
Basement Area	1,426 sqft
Finished Basement	1,426 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Carport
Garage Area	812 sqft
Carport	Carport
Carport Area	812 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	323 sqft
Deck Area	81 sqft
Patio Area	459 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	3398 CULLOWHEE FOREST RD
City	CULLOWHEE
State	NC
Zip	28723-9619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 25 CULLOWHEE FOREST
Legal Subdivision	CULLOWHEE FOREST
Legal Lot Number	25
Jurisdiction	JACKSON NC
Township / Civil Division	MOUNTAIN
Census Block Group	5
Census Block	5047
Census Tract	950600

Owner

3398 Cullowhee Forest Rd is owned by two individuals who bought it in October 2025.

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 Record	2 Individual Names on File
Mailing Address	6247 24TH AVE N, SAINT PETERSBURG, FL 33710-4119
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Jun 8, 2022 · Amount on File
Deed Book / Page	2407 / 1880
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Oct 30, 2025
Property Address	3398 CULLOWHEE FOREST RD, CULLOWHEE, NC 28723-9619
Document Number	0024071880
Book / Page	2407 / 1880
Map Reference	CAB 19 SL 100
Instrument Date	Oct 29, 2025
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3610 COLUMBIA DR, LONGMONT, CO 80503-2118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6247 24TH AVE N, ST PETERSBURG, FL 33710-4119

Mortgage

Document Number	0024071883
Date	Oct 30, 2025
Instrument	2407/1883

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 8, 2022
Property Address	3398 CULLOWHEE FOREST RD, CULLOWHEE, NC 28723-9619
Document Number	0023361138
Book / Page	2336 / 1138
Map Reference	CAB 19 SL 100
Instrument Date	Jun 6, 2022
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6125 SW 133RD ST, 6125, PINECREST, FL 33156-7138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 E YACHT DR, OAK ISLAND, NC 28465-5722

Mortgage

Document Number	0023361141
Date	Jun 8, 2022
Instrument	2336/1141

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3398 Cullowhee Forest Rd was $2,488.

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		$654,884 (-) Land $60,150 Building $594,734
2025	$2,488.00	$654,884 Land $60,150 Building $594,734
2023	$1,452.00	$382,280 Land $73,190 Building $309,090

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

Flood

FEMA maps place 3398 Cullowhee Forest Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 2004.

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
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 3398 Cullowhee Forest Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BalsamWest FiberNET Fiber	1,000 / 500
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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