39 Clover Ln, Franklin, NC 28734 Property Records

Macon County property record for 39 Clover Ln, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1976
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$82,500 (Mar 2020)
Tax Bill	$571 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6584690411`

Property Details

APN / Parcel Number

Primary APN	`6584690411`
Alternative APNs	`0102705` `146470`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Heated Area
1st Floor Area	960 sqft
Utility Area	84 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	18,295 sqft (0.42 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	36 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	146470
Street Address	39 CLOVER LN
City	FRANKLIN
State	NC
Zip	28734-2897
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FR1
Legal Description	LOTS 71-75 SEC 1 CONLEY CREST SUB
Legal Subdivision	CONLEY CREST
Legal Lot Number	71-75
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1069
Census Tract	970302

Owner

39 Clover Ln is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	39 CLOVER LN, FRANKLIN, NC 28734-2897
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
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit MOUNTAIN CU
Mar 24, 2020	Warranty Deed, Transfer · Conventional Mortgage ENTEGRA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2020 · Amount on File
Deed Sale	Mar 24, 2020 · Amount on File
Prior Sale	May 24, 2004
Deed Document Number	20201956
Deed Book / Page	39 / 2240
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	39 CLOVER LN, FRANKLIN, NC 28734-2897
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000C43/357
Date	Apr 29, 2024
Book Page	C-43/357
Instrument	2024002393

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	1700 RUSS AVE, WAYNESVILLE, NC 28786

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 24, 2020
Property Address	39 CLOVER LN, FRANKLIN, NC 28734-2897
Document Number	U39/2240
Book / Page	U-39 / 2240
Map Reference	MB 1 PG 205
Instrument Date	Mar 24, 2020
Instrument	2020001956
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	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 CLOVER LN, FRANKLIN, NC 28734-2897

Mortgage

Document Number	2020001957
Date	Mar 24, 2020
Instrument	2020001957

Lender

Name	ENTEGRA BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 39 Clover Ln was $571.

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Municipality	Franklin Town
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$571.00	$132,880 Land $28,560 Building $104,320	$132,880 Land $28,560 Building $104,320
2025	$571.00
2023	$536.00	$132,880 Land $28,560 Building $104,320	$132,880 Land $28,560 Building $104,320

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

Flood

FEMA maps place 39 Clover Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2023)
Most Recent Claim	Mar 2023 · other causes

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 39 Clover Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRANKLIN serves 9,992 people · EPA ID NC0157010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Dec 2024 Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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