Jackson County property record for 4521 Cullowhee Forest Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,016 sqft · built 2004 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,183 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7556-30-3896 |
| Primary APN | 7556-30-3896 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Heated Area |
| 1st Floor Area | 900 sqft |
| Upper Floors Area | 568 sqft |
| Basement Area | 548 sqft |
| Finished Basement | 548 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Logs |
| Roof Type | Wood Truss |
| Roof Material | Metal |
| Lot Area | 174,240 sqft (4 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
|---|---|
| Porch Area | 324 sqft |
| Deck Area | 162 sqft |
| Patio Area | 486 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Street Address | 4521 CULLOWHEE FOREST RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-2538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 7 CULLOWHEE FOREST |
| Legal Subdivision | CULLOWHEE FALLS |
| Legal Lot Number | 7 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | MOUNTAIN |
| Census Block Group | 5 |
| Census Block | 5047 |
| Census Tract | 950600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4521 CULLOWHEE FOREST RD, CULLOWHEE, NC 28723-2538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional with PMI IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 4521 CULLOWHEE FOREST RD, CULLOWHEE, NC 28723-2538 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0023321812 |
|---|---|
| Date | Apr 25, 2022 |
| Book Page | 2332/1812 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.55% |
| Type Change Date | May 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.55% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.55% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 4521 CULLOWHEE HTS, CULLOWHEE, NC 28723 |
| Document Number | 0022521098 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4521 CULLOWHEE FOREST RD CULLOWHEE NC 28723, CULLOWHEE, NC 28723 |
| Document Number | 0022521098 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 002252/001098 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2049 |
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 | $574,587 (+75.81%) Land $70,050 Building $504,537 | |
| 2025 | $2,183.00 (+75.91%) | |
| 2023 | $1,241.00 | $326,820 Land $83,930 Building $242,890 |
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 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 |
|
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 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BalsamWest FiberNET Fiber | 1,000 / 500 |
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
| Frontier DSL | 10 / 1 |
No cell data coverage reported
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