473 Cherry Cove Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 473 Cherry Cove Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,418 sqft · built 1984
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (Jul 2015)
Tax Bill	$1,104 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7557-23-9998`

Property Details

APN / Parcel Number

Primary APN	`7557-23-9998`
Alternative APN	`172452`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,418 sqft Heated Area
1st Floor Area	1,418 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	140 sqft
Carport	Carport
Carport Area	140 sqft
Porch	Slab
Porch Area	213 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	473 CHERRY COVE RD
City	CULLOWHEE
State	NC
Zip	28723-8516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT 18 HENNESSEE
Legal Subdivision	W C HENNESSEE LAND COMPANY SUBDIVISION
Legal Tract	18
Legal Lot Number	18
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	5
Census Block	5030
Census Tract	950600

Owner

473 Cherry Cove Rd is owned and occupied by an individual who acquired it in February 2019.

Source: Jackson County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	473 CHERRY COVE RD, CULLOWHEE, NC 28723-8516
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 1, 2019	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
Mar 21, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2015 · Amount on File
Deed Sale	Jul 22, 2015 · Amount on File
Deed Book / Page	2086 / 510
Last Transfer Date	Feb 28, 2019
Transfer Doc	0022331631
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	473 CHERRY COVE RD, CULLOWHEE, NC 28723-8516
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023180024
Date	Oct 28, 2021
Book Page	2318/24

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CULLOWHEE, NC 28723

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	473 CHERRY COVE RD, CULLOWHEE, NC 28723-8516
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023180001
Date	Oct 28, 2021
Book Page	2318/1

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	473 CHERRY COVE RD, CULLOWHEE, NC 28723-8516
Document Number	0022500168
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 CHERRY COVE RD CULLOWHEE NC 287238516, CULLOWHEE, NC 28723-8516

Mortgage

Document Number	0022500168
Date	Oct 7, 2019
Book Page	002250/000168

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 21, 2019
Property Address	473 CHERRY COVE RD, CULLOWHEE, NC 28723-8516
Document Number	0022331631
Book / Page	002233 / 001631
Instrument Date	Feb 28, 2019
Transaction Type	Transfer
Record Updated	Apr 3, 2019
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	473 CHERRY COVE RD CULLOWHEE NC 287238516, CULLOWHEE, NC 28723-8516

Tax Assessment & Valuation

The 2025 property tax bill for 473 Cherry Cove Rd was $1,104.

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		$290,742 (-) Land $30,400 Building $260,342
2025	$1,104.00	$290,742 Land $30,400 Building $260,342
2023	$711.00	$187,330 Land $30,400 Building $156,930

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 473 Cherry Cove Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 2004.

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 File 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	Tropical Storm Helene, Sep 2024 · 13 claims Tropical Storm Frances, Sep 2004 · 3 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

Wildfire risk around 473 Cherry Cove Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

Cell Coverage

No cell data coverage reported

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