455 Ridgetop Rd, Franklin, NC 28734 Property Records

Macon County property record for 455 Ridgetop Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1980
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on Record
Last Sale	$206,000 (Aug 2023)
Tax Bill	$729 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6568458972`

Property Details

APN / Parcel Number

Primary APN	`6568458972`
Alternative APNs	`1017474` `143664` `155720`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Heated Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	58,806 sqft (1.35 acres)
Terrain	Rolling
Porch	Patio
Porch Area	368 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	155720
Street Address	455 RIDGETOP RD
City	FRANKLIN
State	NC
Zip	28734-5949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 43 ROARING RIVER
Legal Subdivision	ROARING RIVER
Legal Lot Number	43
Jurisdiction	MACON NC
Township / Civil Division	BURNINGTOWN
Census Block Group	1
Census Block	1082
Census Tract	970200

Owner

Source: Macon County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	455 RIDGETOP RD, FRANKLIN, NC 28734-5949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP
Nov 13, 2017	Deed of Trust, Mortgage INDEPENDENT BANK
Nov 20, 2018	Warranty Deed, Transfer · Conventional Mortgage RABUN COUNTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Nov 20, 2018 · Amount on Record
Deed Document Number	20235113
Deed Book / Page	R- / 42.1013
Prior Transfer Date	Dec 12, 2001
Prior Transfer Doc	00R30/0131
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 21, 2023
Property Address	455 RIDGETOP RD, FRANKLIN, NC 28734-5949
Document Number	00R42/1013
Book / Page	R-42 / 1013
Map Reference	CAB 1 SL 279 PG 6
Instrument Date	Aug 21, 2023
Instrument	2023005113
Transaction Type	Transfer
Record Updated	Sep 6, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$412.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 RIDGETOP RD, FRANKLIN, NC 28734-5949

Mortgage

Document Number	2023005114
Date	Aug 21, 2023
Instrument	2023005114

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	455 RIDGETOP RD, FRANKLIN, NC 28734-5949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	G38/1864
Date	Nov 13, 2017
Book Page	G-38/1864
Instrument	2017007782

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Amount	Amount Recorded
Term	58 Months
Due	Sep 28, 2022

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 20, 2018
Property Address	455 RIDGETOP RD, FRANKLIN, NC 28734-5949
Document Number	X38/1864
Book / Page	X-38 / 1864
Map Reference	CAB 1 SL 397 PG 4
Instrument Date	Nov 14, 2018
Instrument	2018008062
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 RIDGETOP RD, FRANKLIN, NC 28734-5949

Mortgage

Document Number	2018008063
Date	Nov 20, 2018
Instrument	2018008063

Lender

Name	RABUN COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$729.00 (-0.14%)	$175,230 (+2.22%) Land $31,340 Building $143,890	$175,230 (+2.22%) Land $31,340 Building $143,890
2025	$730.00 (+28.52%)	$171,430 (-) Land $31,340 Building $140,090	$171,430 (-) Land $31,340 Building $140,090
2023	$568.00	$171,430 Land $31,340 Building $140,090	$171,430 Land $31,340 Building $140,090

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 8, 2018 · 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
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
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 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

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

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