Jackson County property record for 435 Peach Tree Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,003 sqft · built 1976 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Jan 2021) |
| Tax Bill | $654 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7578-18-3500 |
| Primary APN | 7578-18-3500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,003 sqft Heated Area |
| 1st Floor Area | 1,223 sqft |
| Basement Area | 780 sqft |
| Finished Basement | 780 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Carport |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 259 sqft |
| Patio Area | 259 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Septic |
| Street Address | 435 PEACH TREE RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-8135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF CANEY FORK RD |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CANEY FORK |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 950700 |
Source: Jackson County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 435 PEACH TREE RD, CULLOWHEE, NC 28723-8135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jan 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2021 · Amount on Record |
| Deed Sale | Jan 19, 2021 · Amount on Record |
| Deed Book / Page | 2289 / 1811 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 435 PEACH TREE RD, CULLOWHEE, NC 28723-8135 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0023241876 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 2324/1876 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Jan 19, 2021 |
| Property Address | 435 PEACH TREE RD, CULLOWHEE, NC 28723-8135 |
| Document Number | 0022891811 |
| Book / Page | 2289 / 1811 |
| Instrument Date | Jan 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1214, CULLOWHEE, NC 28723-1214 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3171, CULLOWHEE, NC 28723-3171 |
| Document Number | 0022891818 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2289/1818 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Feb 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.37% |
| Index | 5-Year TN |
| Max Rate | 9.37% |
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $172,294 (+36%) Land $28,080 Building $144,214 | |
| 2025 | $654.00 (+35.97%) | |
| 2023 | $481.00 | $126,690 Land $26,270 Building $100,420 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (1998–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
No cell data coverage reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures