453 Bright Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 453 Bright Mountain Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,984 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,241,000 (Jun 2026)
Tax Bill	$4,536 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`7563-16-4411`

Property Details

APN / Parcel Number

Primary APN	`7563-16-4411`
Alternative APN	`163143`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,984 sqft Heated Area
1st Floor Area	1,760 sqft
Upper Floors Area	816 sqft
Basement Area	816 sqft
Finished Basement	816 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Deck Area	624 sqft
Patio Area	624 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	453 BRIGHT MOUNTAIN RD
City	CULLOWHEE
State	NC
Zip	28723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 HOLDEN
Legal Lot Number	11
Jurisdiction	JACKSON NC
Township / Civil Division	HAMBURG
Census Block Group	2
Census Block	2004
Census Tract	950800

Owner

Source: Jackson County records, as of October 13, 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	3833 COVE DR, MOUNTAIN BRK, AL 35213-3801
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK
Aug 13, 2021	Warranty Deed, Transfer
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN CAPITAL ADVISORS LLC
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage LINCOLN CAPITAL ADVISORS LLC
Sep 9, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jun 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Apr 23, 2021 · Amount on Record
Deed Book / Page	2422 / 1922
Prior Transfer Date	Aug 20, 2020
Prior Transfer Doc	0022760300
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 29, 2026
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Document Number	2422001922
Book / Page	2422 / 1922
Instrument Date	Jun 25, 2026
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250,682.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3833 COVE DR, MOUNTAIN BRK, AL 35213-3801

Mortgage

Document Number	2422001925,
Date	Jun 29, 2026
Book Page	2422/1925

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 13, 2021
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Document Number	0023101639
Book / Page	2310 / 1639
Map Reference	CAB 9 SL 45
Instrument Date	Aug 12, 2021
Transaction Type	Transfer
Record Updated	Sep 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4016 WHITTINGTON DR NE, 4016, ATLANTA, GA 30342-4208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4016 WHITTINGTON DR NE, ATLANTA, GA 30342-4208

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023011156
Date	May 11, 2021
Book Page	2301/1156

Lender

Name	LINCOLN CAPITAL ADVISORS LLC
Type	Non-Lending Institution
Address	ROSWELL, GA 30075

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Apr 23, 2021
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Document Number	0022991997
Book / Page	2299 / 1997
Map Reference	CAB 9 SL 45
Instrument Date	Apr 23, 2021
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	821 OLD BRICK LN, 821, CHARLESTON, SC 29492-7849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4016 WHITTINGTON DR NE, ATLANTA, GA 30342-4208

Mortgage

Document Number	23001
Date	Apr 23, 2021
Instrument	2300/1

Lender

Name	LINCOLN CAPITAL ADVISORS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 9, 2020
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Document Number	0022760300
Book / Page	002276 / 000300
Instrument Date	Aug 20, 2020
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 OLD BRICK LN CHARLESTON SC 294927849, CHARLESTON, SC 29492-7849

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 10, 2020
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Document Number	0022681339
Book / Page	002268 / 001339
Instrument Date	Jun 3, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 OLD BRICK LN CHARLESTON SC 294927849, CHARLESTON, SC 29492-7849

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	May 28, 2020
Property Address	453 BRIGHT MOUNTAIN RD, CULLOWHEE, NC 28723
Document Number	0022671173
Book / Page	002267 / 001173
Instrument Date	May 19, 2020
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 OLD BRICK LN CHARLESTON SC 294927849, CHARLESTON, SC 29492-7849

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,193,754 (-) Land $155,680 Building $1,038,074
2025	$4,536.00 (+434.28%)	$1,193,754 (+433.86%) Land $155,680 Building $1,038,074
2023	$849.00	$223,610 Land $126,540 Building $97,070

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2013–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Direct 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, Skyrunner, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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