Jackson County property record for 481 University Heights Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,868 sqft · built 1968 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jun 2016) |
| Tax Bill | $1,424 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7650-40-2028 |
| Primary APN | 7650-40-2028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,868 sqft Heated Area |
| 1st Floor Area | 1,894 sqft |
| Basement Area | 1,910 sqft |
| Unfinished Basement | 1,910 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 336 sqft |
| Patio Area | 147 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 481 UNIVERSITY HTS RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-9692 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIVERSITY HEIGHTS RD |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CULLOWHEE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 950600 |
481 University Heights Rd is owned and occupied by two individuals who bought it in June 2016.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 481 UNIVERSITY HTS RD, CULLOWHEE, NC 28723-9692 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2016 · Amount on File |
| Deed Sale | Jun 15, 2016 · Amount on File |
| Prior Sale | Feb 24, 2006 · Amount on File |
| Deed Book / Page | 2140 / 702 |
| Prior Transfer Date | Apr 7, 2010 |
| Prior Transfer Doc | 0018440572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 481 UNIVERSITY HTS RD, CULLOWHEE, NC 28723-9692 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022020037 |
|---|---|
| Date | Nov 30, 2017 |
| Book Page | 2202/037 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | SYLVA, NC 28779 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 481 University Heights Rd was $1,424.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $374,882 (-) Land $46,880 Building $328,002 | |
| 2025 | $1,424.00 | $374,882 Land $46,880 Building $328,002 |
| 2023 | $965.00 | $254,080 Land $42,190 Building $211,890 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 481 University Heights Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (2024) |
| 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 risk around 481 University Heights Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
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