49 Falls Cove Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 49 Falls Cove Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 864 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Apr 2024)
Tax Bill	$1,785 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7553-88-8187`

Property Details

APN / Parcel Number

Primary APN	`7553-88-8187`
Alternative APN	`179518`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Heated Area
1st Floor Area	624 sqft
Upper Floors Area	240 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Wood Truss
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Deck Area	208 sqft
Patio Area	208 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Street Address	49 FALLS COVE RD
City	CULLOWHEE
State	NC
Zip	28723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 OFF TOBY BRYSON RD
Legal Tract	3
Legal Lot Number	3
Jurisdiction	JACKSON NC
Township / Civil Division	HAMBURG
Census Block Group	2
Census Block	2012
Census Tract	950800

Owner

49 Falls Cove Rd is owned by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1837 ASHLEY HALL RD, CHARLESTON, SC 29407-3501
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
Apr 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Aug 16, 2017	Warranty Deed, Transfer · Conventional with PMI STOUT GERALD D & VERNE M (TE)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Jan 28, 2021 · Amount on File
Deed Book / Page	2375 / 1778
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	49 FALLS COVE RD, CULLOWHEE, NC 28723
Transaction Type	Mortgage
Record Updated	May 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0023751782
Date	Apr 22, 2024
Book Page	2375/1782

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	2440 MALL DR, NORTH CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	13.3%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jan 28, 2021
Property Address	49 FALLS COVE RD, CULLOWHEE, NC 28723
Document Number	0022901966
Book / Page	2290 / 1966
Map Reference	MB 1124 PG 141
Instrument Date	Jan 19, 2021
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10445 JOHANNA AVE, 10445, SUNLAND, CA 91040-1643

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022901969
Date	Jan 28, 2021
Instrument	2290/1969

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

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

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 16, 2017
Property Address	49 FALLS COVE RD, CULLOWHEE, NC 28723
Document Number	0021950645
Book / Page	002195 / 000645
Instrument Date	Aug 14, 2017
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	111 KIMBERLY KNOLL RD ASHEVILLE NC 288043521, ASHEVILLE, NC 28804-3521

Mortgage

Document Number	21950648
Date	Aug 16, 2017
Book Page	002195/000648

Lender

Name	STOUT GERALD D & VERNE M (TE)
Address	1509 SEASPRAY LN, DUNEDIN, FL 34698-4518

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Aug 15, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 49 Falls Cove Rd was $1,785.

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		$469,846 Land $73,710 Building $396,136
2025	$1,785.00
2023	$999.00	$263,080 Land $45,280 Building $217,800

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

Flood

FEMA maps place 49 Falls Cove Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2013–2024)
Claims Outside the SFHA	2 of 3
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

Wildfire risk around 49 Falls 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 51 locations within half a mile, as of December 31, 2025

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

May also be available: Skyrunner, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Falls Cove Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures