404 Rustling Woods Trl, Cullowhee, NC 28723 Property Records

Jackson County property record for 404 Rustling Woods Trl, Cullowhee, NC 28723

Property Summary

Property Type	Residential Vacant Land
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$143,500 (Feb 2007)
Tax Bill	$77 (2025)
Deeds & Mortgages	Sep 2026 Construction Loan Mar 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7558-13-7638`

Property Details

APN / Parcel Number

Primary APN	`7558-13-7638`
Alternative APN	`180355`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	404 RUSTLING WOODS TRL
City	CULLOWHEE
State	NC
Zip	28723
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LT 33 COVE AT FLAT GAP
Legal Subdivision	THE COVE AT FLAT GAP
Legal Lot Number	33
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	5
Census Block	5020
Census Tract	950600

Owner

404 Rustling Woods Trl, residential vacant land, is owned by two individuals who bought it in February 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1924, CULLOWHEE, NC 28723-1924
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
Sep 28, 2026	Deed of Trust, Mortgage · Construction Mortgage JACKSON SAVINGS BANK
Mar 17, 2026	Warranty Deed, Transfer
May 8, 2019	Grant Deed, Transfer ATTORNEY ONLY
Feb 8, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2007 · Amount on File
Deed Sale	Feb 9, 2007 · Amount on File
Deed Book / Page	1652 / 219
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Sep 28, 2026
Property Address	404 RUSTLING WOODS TRL, CULLOWHEE, NC 28723
Document Number	2429000399
Book / Page	2429 / 399
Instrument Date	Sep 28, 2026
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2429000399,
Date	Sep 28, 2026
Book Page	2429/399

Lender

Name	JACKSON SAVINGS BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	374 Months
Due	Nov 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 17, 2026
Property Address	404 RUSTLING WOODS TRL, CULLOWHEE, NC 28723
Document Number	0024160679
Book / Page	2416 / 679
Map Reference	CAB 15 SL 576
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1023, SYLVA, NC 28779-1023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1924, CULLOWHEE, NC 28723-1924

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON NC
Recording Date	May 8, 2019
Property Address	404 RUSTLING WOODS TRL, CULLOWHEE, NC 28723
Document Number	0022371480
Book / Page	002237 / 001480
Instrument Date	May 8, 2019
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	919 HAYWOOD RD SYLVA NC 287794558, SYLVA, NC 28779-4558

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	JACKSON NC
Recording Date	Feb 8, 2019
Property Address	404 RUSTLING WOODS TRL, CULLOWHEE, NC 28723
Document Number	0022311192
Book / Page	002231 / 001192
Instrument Date	Feb 8, 2019
Transaction Type	Foreclosure
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$23.80
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 GRINDSTAFF COVE RD SYLVA NC 287793250, SYLVA, NC 28779-3250

Tax Assessment & Valuation

The 2025 property tax bill for 404 Rustling Woods Trl was $77.

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		$20,330 (-) Land $20,330
2025	$77.00	$20,330 Land $20,330
2023	$57.00	$15,250 Land $15,250

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 404 Rustling Woods Trl 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 January 16, 2026 · 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 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 404 Rustling Woods Trl is moderate, ranking above 51% 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 51% of the US · above 73% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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