1. Home
  2. North Carolina
  3. Jackson County
  4. Cullowhee
  5. Big Mountain Rd

445 Big Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 445 Big Mountain Rd, Cullowhee, NC 28723

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,296 sqft · built 2022
Lot Size2 acres (87,120 sqft)
Owner2 Individual Names on File
Last Sale$20,000 (Feb 2019)
Tax Bill$991 (2025)
Deeds & MortgagesJan 2022 Mortgage
Feb 2019 Sale
Flood ZoneZone X (minimal risk)
APN7544-40-3317

Property Details

APN / Parcel Number

Primary APN7544-40-3317
Alternative APN
  • 96370

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,296 sqft Living Area
1st Floor Area1,296 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating SystemHeat Pump
SewerSeptic

Location & Zoning

Street Address445 BIG MOUNTAIN RD
CityCULLOWHEE
StateNC
Zip28723-8586
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOFF MILL CREEK RD
JurisdictionJACKSON NC
Township / Civil DivisionMOUNTAIN
Census Block Group2
Census Block2023
Census Tract950800

Owner

445 Big Mountain Rd is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record2 Individual Names on File
Mailing Address445 BIG MOUNTAIN RD, CULLOWHEE, NC 28723-8586
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 19, 2022Warranty Deed, Transfer · FHA Mortgage
VANDERBILT MORTGAGE & FINANCE INC
Feb 4, 2019Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 4, 2019 · Amount on File
Deed SaleFeb 4, 2019 · Amount on File
Deed Book / Page2231 / 444
Prior Transfer DateJan 10, 2019
Prior Transfer Doc0022310444
Record UpdatedOct 29, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON NC
Recording DateJan 19, 2022
Property Address445 BIG MOUNTAIN RD, CULLOWHEE, NC 28723-8586
Document Number0023250212
Book / Page2325 / 212
Instrument DateJan 13, 2022
Transaction TypeTransfer
Record UpdatedAug 11, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5334 LAKE LE CLARE RD, LUTZ, FL 33558-4834

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 WEEDWHACKER WAY, CULLOWHEE, NC 28723-6764

Mortgage

Document Number0002325215
DateJan 19, 2022
Instrument2325/215
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2052

February 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJACKSON NC
Recording DateFeb 4, 2019
Property Address445 BIG MOUNTAIN RD, CULLOWHEE, NC 28723-8586
Document Number0022310444
Book / Page002231 / 000444
Instrument DateJan 10, 2019
Transaction TypeTransfer
Record UpdatedFeb 14, 2019

Transaction

AmountAmount on Record
Tax$40.00
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5334 LAKE LE CLARE RD LUTZ FL 335584834, LUTZ, FL 33558-4834

Tax Assessment & Valuation

The 2025 property tax bill for 445 Big Mountain Rd was $991.

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyJackson County
Unified School DistrictJackson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$260,833 (-) Land $51,140 Building $209,693
2025$991.00$260,833 Land $51,140 Building $209,693
2023$519.00$136,740 Land $33,640 Building $103,100

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

Flood

FEMA maps place 445 Big Mountain Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Nearby Flood Policies14 in force
Nearby Flood Claims3 (2013–2024)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 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

Wildfire risk around 445 Big Mountain Rd is moderate, ranking above 48% 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 RiskModerate
above 48% of the US · above 70% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 14 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Skyrunner
Fixed Wireless		25 / 10

Cell Coverage

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

Nearby Properties on Big Mountain Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures