58 Firelight Dr, Cullowhee, NC 28723 Property Records

Jackson County property record for 58 Firelight Dr, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,836 sqft · built 2017
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Company Names on File
Last Sale	$435,000 (Aug 2019)
Tax Bill	$1,452 (2023)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7555-20-2878`

Property Details

APN / Parcel Number

Primary APN	`7555-20-2878`
Alternative APN	`183365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,836 sqft
1st Floor Area	1,836 sqft
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 2017
Exterior Material	Other
Lot Area	37,462 sqft (0.86 acres)
Porch	Porch
Porch Area	420 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	183365
Street Address	58 FIRELIGHT DR
City	CULLOWHEE
State	NC
Zip	28723-1850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2 SPLIT RAIL
Legal Township	17
Legal Subdivision	SPLIT RAIL
Legal Lot Number	2
Jurisdiction	JACKSON NC
Township / Civil Division	MOUNTAIN
Census Block Group	2
Census Block	2008
Census Tract	950800

Owner

Source: Jackson County records · APN 7555-20-2878

Assessment roll updated January 1, 2023 · Last verified August 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage FLORIDA CAPITAL BANK MORTGAGE
Jan 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA
Aug 30, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Feb 16, 2018	Loan Modification, Mortgage RABUN CNTY BK
Sep 22, 2017	Warranty Deed, Transfer · ARM RABUN COUNTY BANK

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	0022461169
Deed Book / Page	002246 / 001169
Last Transfer Date	Jan 15, 2021
Transfer Doc	0022891396
Record Updated	Jun 07, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022461172
Date	Aug 30, 2019
Book Page	2246/1172

Lender

Name	FLORIDA CAPITAL BANK MORTGAGE
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON NC
Recording Date	Jan 15, 2021
Property Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850
Document Number	0022891396
Book / Page	2289 / 1396
Map Reference	CAB 23 SL 366
Instrument Date	Jan 11, 2021
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850

Mortgage

Document Number	0022891401
Date	Jan 15, 2021
Instrument	2289/1401

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 30, 2019
Property Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850
Document Number	0022461169
Book / Page	002246 / 001169
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Oct 01, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$870.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3253 HIGHT BREEZE LN LAKE MARY FL 32746, LAKE MARY, FL 32746

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON NC
Property Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850
Document Number	0022071770
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 01, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12904 SW 2ND AVE NEWBERRY FL 326695423, NEWBERRY, FL 32669-5423

Mortgage

Document Number	0022071770
Date	Feb 20, 2018
Book Page	002207/001770

Lender

Name	RABUN CNTY BK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Sep 22, 2017
Property Address	58 FIRELIGHT DR, CULLOWHEE, NC 28723-1850
Document Number	0021970942
Book / Page	2197 / 942
Map Reference	PL CAB 3 SL 574
Instrument Date	Sep 18, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1601 BEACH AVE, 1601, ATLANTIC BEACH, FL 32233-5840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12904 SW 2ND AVE, NEWBERRY, FL 32669-5423

Mortgage

Document Number	0021970946
Date	Sep 22, 2017
Book Page	2197/946

Lender

Name	RABUN COUNTY BANK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Oct 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 01, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated January 1, 2023 · Last verified August 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2023	$1,452.00	$382,360 Land $150,000 Building $232,360

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	3 (2013–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	90 / 5

Based on FCC filings for 35 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

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