608 Mountain Cir, Franklin, NC 28734 Property Records

Macon County property record for 608 Mountain Cir, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,400 sqft · built 2018
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2018)
Tax Bill	$1,254 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7505115389`

Property Details

APN / Parcel Number

Primary APN	`7505115389`
Alternative APNs	`0219845` `143631`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,400 sqft Heated Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Game Room	Game Room

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	24,829 sqft (0.57 acres)
Terrain	Rolling
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	143631
Street Address	608 MOUNTAIN CIR
City	FRANKLIN
State	NC
Zip	28734-1576
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 41 HOLLY SPRINGS MTN EST
Legal Subdivision	HOLLY SPRINGS
Legal Tract	41
Legal Lot Number	41
Jurisdiction	MACON NC
Township / Civil Division	MILLSHOAL
Census Block Group	2
Census Block	2066
Census Tract	970400

Owner

608 Mountain Cir is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	608 MOUNTAIN CIR, FRANKLIN, NC 28734-1576
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
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN CU
Nov 15, 2018	Intrafamily Transfer, Transfer
Nov 15, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2018 · Amount on File
Deed Sale	Nov 15, 2018 · Amount on File
Deed Document Number	20187923
Deed Book / Page	38 / 1223
Prior Transfer Date	Nov 13, 2018
Prior Transfer Doc	X38/1225
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	608 MOUNTAIN CIR, FRANKLIN, NC 28734-1576
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	U40/2154
Date	Apr 14, 2021
Book Page	U-40/2154
Instrument	2021003535

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	CANDLER, NC 28715

Agreement

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

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Nov 15, 2018
Property Address	608 MOUNTAIN CIR, FRANKLIN, NC 28734-1576
Document Number	X38/1225
Book / Page	X-38 / 1225
Instrument Date	Nov 13, 2018
Instrument	2018007924
Transaction Type	Transfer
Record Updated	Oct 4, 2021

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	608 MOUNTAIN GROVE RD, FRANKLIN, NC 28734

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 15, 2018
Property Address	608 MOUNTAIN CIR, FRANKLIN, NC 28734-1576
Document Number	X38/1223
Book / Page	X-38 / 1223
Map Reference	CAB 1 SL 211 PG 5
Instrument Date	Nov 13, 2018
Instrument	2018007923
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	846 TRIMONT LAKE RD, 846, FRANKLIN, NC 28734-5847

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	608 MOUNTAIN GROVE RD, FRANKLIN, NC 28734

Mortgage

Document Number	2018007925
Date	Nov 15, 2018
Instrument	2018007925

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 608 Mountain Cir was $1,254.

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	$1,254.00	$333,580 (-) Land $37,710 Building $295,870	$333,580 (-) Land $37,710 Building $295,870
2025	$1,254.00	$333,580 Land $37,710 Building $295,870	$333,580 Land $37,710 Building $295,870
2023	$1,183.00	$333,580 Land $37,710 Building $295,870	$333,580 Land $37,710 Building $295,870

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

Flood

FEMA maps place 608 Mountain Cir 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 608 Mountain Cir 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

Nearby Properties on Mountain Cir

Nearby Streets

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