Jackson County property record for 609 Black Mountain Rd, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,382 sqft · built 1987 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $118,000 (Jan 2015) |
| Tax Bill | $936 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7569-25-9962 |
| Primary APN | 7569-25-9962 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,382 sqft Heated Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 662 sqft |
| Unfinished Basement | 662 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Patio |
|---|---|
| Porch Area | 528 sqft |
| Deck Area | 96 sqft |
| Patio Area | 584 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 609 BLACK MOUNTAIN RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-8178 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 33 LAPORTE ACRES |
| Legal Lot Number | 33 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | RIVER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 950700 |
Source: Jackson County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 421, WEBSTER, NC 28788-0421 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 9, 2019 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2015 · Amount on Record |
| Deed Sale | Jan 8, 2015 · Amount on Record |
| Deed Book / Page | 2063 / 179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 609 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8178 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0023310797 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 2331/797 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 609 BLACK MOUNTAIN RD, CULLOWHEE, NC 28723-8178 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0022500769 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 2250/769 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.3% |
| Type Change Date | Oct 2, 2024 |
| Index | 5-Year CMT |
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 | $246,347 (+75.2%) Land $65,150 Building $181,197 | |
| 2025 | $936.00 (+75.28%) | |
| 2023 | $534.00 | $140,610 Land $32,510 Building $108,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 (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.
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 | 0.1% 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Sky Fi Fixed Wireless | 10 / 1 |
May also be available: Optimum, Verizon.
5G and 4G LTE (outdoors only)
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