3638 River Rd, Franklin, NC 28734 Property Records

Macon County property record for 3638 River Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2000
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jan 2020)
Tax Bill	$1,157 (2026)
Deeds & Mortgages	Jan 2020 Sale & Mortgage May 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7513921176`

Property Details

APN / Parcel Number

Primary APN	`7513921176`
Alternative APNs	`0445284` `146126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,800 sqft Heated Area
1st Floor Area	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Lot Area	39,204 sqft (0.9 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	480 sqft
Deck Area	160 sqft
Patio Area	160 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	146126
Street Address	3638 RIVER RD
City	FRANKLIN
State	NC
Zip	28734-0960
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	ON SR 1672
Jurisdiction	MACON NC
Township / Civil Division	SUGARFORK
Census Block Group	3
Census Block	3043
Census Tract	970600

Owner

3638 River Rd is owned and occupied by an individual who bought it in January 2020.

Source: Macon County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	3638 RIVER RD, FRANKLIN, NC 28734-0960
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2020	Warranty Deed, Transfer · Conventional Mortgage ENTEGRA BANK
May 21, 2019	Quit Claim Deed, Transfer Quitclaim
Feb 23, 2018	Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on File
Deed Sale	Jan 16, 2020 · Amount on File
Deed Document Number	2020339
Deed Book / Page	39 / 1343
Prior Transfer Date	May 16, 2019
Prior Transfer Doc	F39/0043
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 16, 2020
Property Address	3638 RIVER RD, FRANKLIN, NC 28734-0960
Document Number	R39/1343
Book / Page	R-39 / 1343
Instrument Date	Jan 16, 2020
Instrument	2020000339
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	160 PEACEFUL COVE RD, 160, FRANKLIN, NC 28734-3630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3638 RIVER RD, FRANKLIN, NC 28734-0960

Mortgage

Document Number	00R39/1346
Date	Jan 16, 2020
Book Page	R-39/1346
Instrument	2020000340

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

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

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACON NC
Recording Date	May 21, 2019
Property Address	3638 RIVER RD, FRANKLIN, NC 28734-0960
Document Number	F39/0043
Book / Page	F-39 / 0043
Instrument Date	May 16, 2019
Instrument	2019003078
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1852 MOUNTAIN LAUREL DR, FRANKLIN, NC 28734-3955

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	3638 RIVER RD, FRANKLIN, NC 28734-0960
Transaction Type	Mortgage
Record Updated	Mar 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	L38/0430
Date	Feb 23, 2018
Book Page	L-38/0430
Instrument	2018001234

Lender

Name	ENTEGRA BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Mar 9, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 3638 River Rd was $1,157.

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	$1,157.00	$326,150 Land $39,700 Building $286,450	$326,150 Land $39,700 Building $286,450
2025	$1,157.00
2023	$1,145.00	$325,450 Land $39,700 Building $285,750	$325,450 Land $39,700 Building $285,750

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

Flood

FEMA maps place 3638 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	11 (2004–2024)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Hurricane Ivan, Sep 2004 · 4 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 3638 River 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Optimum.

Cell Coverage

4G LTE only, no 5G reported

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