495 Golf Estates Rd, Franklin, NC 28734 Property Records

Macon County property record for 495 Golf Estates Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,252 sqft · built 1987
Lot Size	1.47 acres (64,033 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (May 2021)
Tax Bill	$1,464 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7505119792`

Property Details

APN / Parcel Number

Primary APN	`7505119792`
Alternative APNs	`0210335` `149499`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,252 sqft Heated Area
1st Floor Area	2,252 sqft
Basement Area	2,012 sqft
Unfinished Basement	2,012 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	64,033 sqft (1.47 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	440 sqft
Deck Area	250 sqft
Patio Area	379 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	149499
Street Address	495 GOLF ESTATES RD
City	FRANKLIN
State	NC
Zip	28734-0721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 28 HOLLY SPRINGS GOLF COURSE SUBD
Legal Subdivision	HOLLY SPRINGS GOLF COURSE SUBD
Legal Lot Number	28
Jurisdiction	MACON NC
Township / Civil Division	MILLSHOAL
Census Block Group	2
Census Block	2066
Census Tract	970400

Owner

495 Golf Estates Rd is owned and occupied by an individual who bought it in May 2021.

Source: Macon County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721
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
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 10, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Dec 29, 2020	Warranty Deed, Transfer
Jul 24, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on File
Deed Sale	May 10, 2021 · Amount on File
Deed Document Number	20214472
Deed Book / Page	40 / 1922
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	000N40/208
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721

Mortgage

Document Number	000R41/215
Date	Mar 1, 2022
Book Page	R-41/215
Instrument	2022001602

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Feb 16, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	May 10, 2021
Property Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721
Document Number	00W40/1922
Book / Page	W-40 / 1922
Map Reference	CAB I SL 177 PG 6
Instrument Date	May 6, 2021
Instrument	2021004472
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 SILVER SPRINGS DR UNIT A, A, BANNER ELK, NC 28604-6528

Mortgage

Document Number	2021004473
Date	May 10, 2021
Instrument	2021004473

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Dec 29, 2020
Property Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721
Document Number	000N40/208
Book / Page	N-40 / 208
Map Reference	CAB 1 SL 177 PG 6
Instrument Date	Dec 18, 2020
Instrument	2020010544
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2476 BELLEVUE RD, HAUGHTON, LA 71037-8357

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Jul 24, 2017
Property Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721
Document Number	00B38/1069
Book / Page	B-38 / 1069
Map Reference	MB R-23 PG 399
Instrument Date	Jul 17, 2017
Instrument	2017004822
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	495 GOLF ESTATES RD, FRANKLIN, NC 28734-0721
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 495 Golf Estates Rd was $1,464.

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	$1,464.00	$395,550 (+1.41%) Land $50,930 Building $344,620	$395,550 (+1.41%) Land $50,930 Building $344,620
2025	$1,464.00	$390,050 Land $50,930 Building $339,120	$390,050 Land $50,930 Building $339,120
2023	$1,382.00	$389,950 Land $50,930 Building $339,020	$389,950 Land $50,930 Building $339,020

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 495 Golf Estates Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1979.

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 File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	16 (1979–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims Hurricane Ivan, Sep 2004 · 5 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 495 Golf Estates Rd is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.2% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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