Jackson County property record for 3598 Cullowhee Mountain Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1964 |
| Lot Size | 57 acres (2,482,920 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,103 (2025) |
| Deeds & Mortgages | Jan 2019 Refinance May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7557-03-4264 |
| Primary APN | 7557-03-4264 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,480 sqft Heated Area |
| 1st Floor Area | 1,480 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,482,920 sqft (57 acres) |
| Porch | Slab |
| Porch Area | 40 sqft |
| Storage Building | 288 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 3598 CULLOWHEE MOUNTAIN RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-8698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CULLOWHEE MOUNTAIN RD |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CULLOWHEE |
| Census Block Group | 5 |
| Census Block | 5039 |
| Census Tract | 950600 |
3598 Cullowhee Mountain Rd is owned and occupied by two individuals.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3598 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BRANCH BANKING AND TRUST CO |
| May 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 3598 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8698 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022301251 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 2230/1251 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 3598 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-8698 |
| Document Number | 0022141486 |
| Instrument Date | May 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3598 CULLOWHEE MOUNTAIN RD CULLOWHEE NC 287238698, CULLOWHEE, NC 28723-8698 |
| Document Number | 0022141486 |
|---|---|
| Date | May 25, 2018 |
| Book Page | 002214/001486 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 24, 2033 |
The 2025 property tax bill for 3598 Cullowhee Mountain Rd was $2,103.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $623,173 Land $463,490 Building $159,683 | |
| 2025 | $2,103.00 | |
| 2023 | $2,360.00 | $621,270 Land $543,520 Building $77,750 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3598 Cullowhee Mountain 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 |
|
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 risk around 3598 Cullowhee Mountain Rd is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
No cell data coverage reported
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