4655 River Rd, Franklin, NC 28734 Property Records

Macon County property record for 4655 River Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1973
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Aug 2026)
Tax Bill	$508 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7512871895`

Property Details

APN / Parcel Number

Primary APN	`7512871895`
Alternative APNs	`0400505` `152763` `1642`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Heated Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	864 sqft
Game Room	Game Room

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	58,806 sqft (1.35 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	408 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	152763
Street Address	4655 RIVER RD
City	FRANKLIN
State	NC
Zip	28734-3581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PINE GROVE
Legal Subdivision	PINE GROVE
Jurisdiction	MACON NC
Township / Civil Division	SUGARFORK
Census Block Group	3
Census Block	3039
Census Tract	970600

Owner

Source: Macon County records · APN 7512871895

Assessment roll updated September 22, 2025 · Last verified August 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 File
Mailing Address	21142 REINDEER RD, CHRISTMAS, FL 32709-9123
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jul 01, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 03, 2026 · Amount on Record
Deed Sale	Aug 03, 2026 · Amount on Record
Prior Sale	May 26, 2022 · Amount on Record
Deed Document Number	20264919
Deed Book / Page	44 / 1037
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 03, 2026
Property Address	4655 RIVER RD, FRANKLIN, NC 28734-3581
Document Number	0000004919
Book / Page	44 / 1037
Instrument Date	Jul 27, 2026
Instrument	20264919
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$70,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21142 REINDEER RD, CHRISTMAS, FL 32709-9123

Mortgage

Document Number	0000004920,
Date	Aug 03, 2026
Instrument	20264920

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	May 26, 2022
Property Address	4655 RIVER RD, FRANKLIN, NC 28734-3581
Document Number	000W41/742
Book / Page	W-41 / 742
Map Reference	MB I-9 PG 131
Instrument Date	May 26, 2022
Instrument	2022004123
Transaction Type	Transfer
Record Updated	Jun 08, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 S OAKS DR, ASHEVILLE, NC 28806-9302

Mortgage

Document Number	2022004124
Date	May 26, 2022
Instrument	2022004124

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jul 01, 2022
Property Address	4655 RIVER RD, FRANKLIN, NC 28734-3581
Document Number	000Y41/811
Book / Page	Y-41 / 811
Map Reference	MB A 30 PG 2486-2488
Instrument Date	May 26, 2022
Instrument	2022005105
Transaction Type	Transfer
Record Updated	Jul 18, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 S OAKS DR, ASHEVILLE, NC 28806-9302

Tax Assessment & Valuation

Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,140 (+0.7%) Land $47,670 Building $74,470	$122,140 (+0.7%) Land $47,670 Building $74,470
2025	$508.00 (+3.04%)
2023	$493.00	$121,290 Land $47,670 Building $73,620	$121,290 Land $47,670 Building $73,620

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 8, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	11 (2004–2024)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Hurricane Ivan, Sep 2004 · 4 claims

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 18 locations within half a mile of this property.

Cell Coverage

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

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