Jackson County property record for 434 Flat Gap Trl, Cullowhee, NC 28723 · Last verified August 2023
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,178 sqft · built 2001 |
| Lot Size | 2.75 acres (119,790 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Oct 2018) |
| Tax Bill | $1,965 (2023) |
| Deeds & Mortgages | Mar 2019 Mortgage Jul 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7558-30-4774 |
| Primary APN | 7558-30-4774 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,178 sqft Heated Area |
| Gross Area | 5,308 sqft |
| 1st Floor Area | 2,324 sqft |
| Upper Floors Area | 854 sqft |
| Basement Area | 2,130 sqft |
| Unfinished Basement | 2,130 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 119,790 sqft (2.75 acres) |
| Garage Type | Carport |
| Garage Area | 528 sqft |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 306 sqft |
| Deck Area | 130 sqft |
| Patio Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 181767 |
|---|---|
| Street Address | 434 FLAT GAP TRL |
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-6741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 7 FLAT GAP EST |
| Legal Township | 09 |
| Legal Subdivision | FLAT GAP EST |
| Legal Lot Number | 7 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CULLOWHEE |
| Census Block Group | 5 |
| Census Block | 5020 |
| Census Tract | 950600 |
Source: Jackson County records · APN 7558-30-4774
Assessment roll updated January 1, 2023 · Last verified August 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 ROADS END LN, RICHMOND, VA 23238-6110 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2019 | Deed of Trust, Mortgage · ARM CITIBANK NA |
| Jul 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 08, 2021 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Aug 05, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 22, 2018 | Warranty Deed, Transfer |
| Feb 02, 2017 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on Record |
| Deed Sale | Oct 22, 2018 · Amount on Record |
| Prior Sale | Feb 02, 2017 · Amount on Record |
| Deed Document Number | 0022251168 |
| Deed Book / Page | 2225 / 1168 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 434 FLAT GAP TRL, CULLOWHEE, NC 28723-6741 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022331751 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 2233/1751 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.6% |
| Type Change Date | Apr 01, 2029 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 434 FLAT GAP TRL, CULLOWHEE, NC 28723-6741 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022711972 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 2271/1972 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 434 FLAT GAP TRL, CULLOWHEE, NC 28723-6741 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 3206 WEEMS WAY, ROWLETT, TX 75088-6471 |
| Document Number | 0023130817 |
|---|---|
| Date | Sep 08, 2021 |
| Book Page | 2313/817 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SYLVA, NC 28779 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Aug 13, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 434 FLAT GAP TRL, CULLOWHEE, NC 28723-6741 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0023401051 |
|---|---|
| Date | Aug 05, 2022 |
| Book Page | 2340/1051 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | ROANOKE RAPIDS, NC 27870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Oct 22, 2018 |
| Property Address | 434 FLAT GAP TRL, CULLOWHEE, NC 28723-6741 |
| Document Number | 0022251168 |
| Book / Page | 2225 / 1168 |
| Instrument Date | Oct 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3206 WEEMS WAY, ROWLETT, TX 75088-6471 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Feb 02, 2017 |
| Property Address | 434 FLAT GAP TRL, CULLOWHEE, NC 28723-6741 |
| Document Number | 0021820282 |
| Book / Page | 2182 / 282 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 437 PARK AVE, 437, MILTON, PA 17847-9650 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 2498, CULLOWHEE, NC 28723-2498 |
| Document Number | 0021820285 |
|---|---|
| Date | Feb 02, 2017 |
| Book Page | 2182/285 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Jackson County records · Assessment roll updated January 1, 2023 · Last verified August 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2023 | $1,965.00 | $517,210 Land $69,610 Building $447,600 |
Source: FEMA National Flood Hazard Layer, Jackson County (37099C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370999506005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 25 individual NFIP policies nearby |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 21 (2004–2024) |
| Most Recent Claim | Sep 2024, river or lake flooding, Tropical Storm Helene |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 49% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 962 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property
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|---|---|---|
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