4670 River Rd, Franklin, NC 28734 Property Records

Macon County property record for 4670 River Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$26,000 (Aug 2020)
Tax Bill	$908 (2026)
Deeds & Mortgages	Feb 2026 Transfer Sep 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7512873720`

Property Details

APN / Parcel Number

Primary APN	`7512873720`
Alternative APNs	`0400365` `135709` `154634`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	960 sqft Heated Area
1st Floor Area	960 sqft

Exterior

Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	154634
Street Address	4670 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	3042
Census Tract	970600

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	2 Individual Names on Record
Mailing Address	4670 RIVER RD, FRANKLIN, NC 28734-3581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Intrafamily Transfer, Transfer
Sep 15, 2023	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Mar 20, 2023	Intrafamily Transfer, Transfer
Aug 5, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Deed Document Number	20205385
Deed Book / Page	40 / 351
Last Transfer Date	Feb 16, 2026
Transfer Doc	00F44/1955
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Feb 17, 2026
Property Address	4670 RIVER RD, FRANKLIN, NC 28734-3581
Document Number	00F44/1955
Book / Page	F-44 / 1955
Instrument Date	Feb 16, 2026
Instrument	2026000971
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4670 RIVER RD, FRANKLIN, NC 28734-3581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4670 RIVER RD, FRANKLIN, NC 28734-3581

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	RIVER RD, FRANKLIN, NC 28734
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 RIVER RD, FRANKLIN, NC 28734-3581

Mortgage

Document Number	00S42/1777
Date	Sep 15, 2023
Book Page	S-42/1777
Instrument	2023005770

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Sep 15, 2054

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Mar 20, 2023
Property Address	RIVER RD, FRANKLIN, NC 28734
Document Number	00K42/1660
Book / Page	K-42 / 1660
Map Reference	MB C40 PG 351-354
Instrument Date	Mar 20, 2023
Instrument	2023001606
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4659 RIVER RD, FRANKLIN, NC 28734-3581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 RIVER RD, FRANKLIN, NC 28734-3581

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 5, 2020
Property Address	RIVER RD, FRANKLIN, NC 28734
Document Number	000C40/351
Book / Page	C-40 / 351
Map Reference	MB U-7 PG 129
Instrument Date	Aug 5, 2020
Instrument	2020005385
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Tax	$52.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 RIVER RD, FRANKLIN, NC 28734-3581

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	$908.00	$247,960 (-) Land $40,000 Building $207,960	$247,960 (-) Land $40,000 Building $207,960
2025	$908.00 (+855.79%)	$247,960 (+726.53%) Land $40,000 Building $207,960	$247,960 (+726.53%) Land $40,000 Building $207,960
2023	$95.00	$30,000 Land $30,000	$30,000 Land $30,000

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
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

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 50% of the US · above 71% 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.

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)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

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

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