43 Phillips St, Franklin, NC 28734 Property Records

Macon County property record for 43 Phillips St, Franklin, NC 28734

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,112 sqft · built 1935
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Mar 2026)
Tax Bill	$637 (2026)
Deeds & Mortgages	Mar 2026 Sale Jun 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6594193754`

Property Details

APN / Parcel Number

Primary APN	`6594193754`
Alternative APNs	`0102203` `142759` `155105`

Interior

Stories	2 Stories
Building Area	2,112 sqft Heated Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	155105
Street Address	43 PHILLIPS ST
City	FRANKLIN
State	NC
Zip	28734-3029
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	FC1
Legal Description	PHILLIPS ST
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2036
Census Tract	970304

Owner

Source: Macon County records, as of October 6, 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	5850 GEORGIA RD, FRANKLIN, NC 28734-5115
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Warranty Deed, Transfer
Jun 1, 2023	Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY
Jan 22, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	20261757
Deed Book / Page	44 / 1122
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 24, 2026
Property Address	43 PHILLIPS ST, FRANKLIN, NC 28734-3029
Document Number	00H44/1122
Book / Page	H-44 / 1122
Instrument Date	Mar 24, 2026
Instrument	2026001757
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 PHILLIPS ST, FRANKLIN, NC 28734-3029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5850 GEORGIA RD, FRANKLIN, NC 28734-5115

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jun 1, 2023
Property Address	43 PHILLIPS ST, FRANKLIN, NC 28734-3029
Document Number	00N42/2253
Book / Page	N-42 / 2253
Map Reference	MB 0-20 PG 1791-1793
Instrument Date	May 30, 2023
Instrument	2023003269
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$678.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 PHILLIPS ST, FRANKLIN, NC 28734-3029

Mortgage

Document Number	2023003270
Date	Jun 1, 2023
Instrument	2023003270

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 3, 2043

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 22, 2020
Property Address	43 PHILLIPS ST, FRANKLIN, NC 28734-3029
Document Number	R39/1883
Book / Page	R-39 / 1883
Instrument Date	Jan 21, 2020
Instrument	2020000449
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 LITTLE ELLIJAY RD, FRANKLIN, NC 28734-9557

Tax Assessment & Valuation

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	$637.00	$152,240 (-) Land $38,400 Building $113,840	$152,240 (-) Land $38,400 Building $113,840
2025		$152,240 (-) Land $38,400 Building $113,840	$152,240 (-) Land $38,400 Building $113,840
2023	$598.00	$152,240 Land $38,400 Building $113,840	$152,240 Land $38,400 Building $113,840

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	9 in force

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	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 182 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.

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