40 Brayer Ln, Cullowhee, NC 28723 Property Records

Jackson County property record for 40 Brayer Ln, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,356 sqft · built 1977
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$631 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`7660-00-5521`

Property Details

APN / Parcel Number

Primary APN	`7660-00-5521`
Alternative APN	`119404`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,356 sqft Heated Area
1st Floor Area	1,356 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 BRAYER LN
City	CULLOWHEE
State	NC
Zip	28723-8129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF WATSON BRANCH RD
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	1
Census Block	1037
Census Tract	950700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 2, 2018	Deed of Trust, Mortgage QUICKEN LNS
Apr 17, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Transaction Type	Mortgage
Record Updated	Oct 9, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129

Mortgage

Document Number	0023631638
Date	Sep 21, 2023
Book Page	2363/1638

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023411599
Date	Aug 26, 2022
Book Page	2341/1599

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023131047
Date	Sep 9, 2021
Book Page	2313/1047

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022850289
Date	Dec 3, 2020
Book Page	2285/289

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Document Number	0022170350
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 BRAYER LN CULLOWHEE NC 287238129, CULLOWHEE, NC 28723-8129

Mortgage

Document Number	0022170350
Date	Jul 5, 2018
Book Page	002217/000350

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 4, 2033

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 BRAYER LN, CULLOWHEE, NC 28723-8129
Document Number	0021870717
Book / Page	002187 / 000717
Instrument Date	Apr 17, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 BRAYER LN CULLOWHEE NC 287238129, CULLOWHEE, NC 28723-8129

Mortgage

Document Number	0021870717
Date	Apr 20, 2017
Book Page	002187/000717

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 19, 2032

Tax Assessment & Valuation

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		$166,249 (+43.36%) Land $26,320 Building $139,929
2025	$631.00 (+43.41%)
2023	$440.00	$115,970 Land $25,910 Building $90,060

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

Flood

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

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

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

5G and 4G LTE (outdoors only)

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