61 Clover Ln, Franklin, NC 28734 Property Records

Macon County property record for 61 Clover Ln, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,187 sqft · built 1967
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Aug 2013)
Tax Bill	$1,211 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6584599512`

Property Details

APN / Parcel Number

Primary APN	`6584599512`
Alternative APNs	`0104979` `146918`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,187 sqft Heated Area
1st Floor Area	2,187 sqft
Basement Area	681 sqft
Unfinished Basement	681 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Porch	Slab
Porch Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	146918
Street Address	61 CLOVER LN
City	FRANKLIN
State	NC
Zip	28734-2897
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FR1
Legal Description	LOTS 76-80 CONLEY CREST SUB SEC 1
Legal Subdivision	CONLEY CREST
Legal Lot Number	76-80
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1069
Census Tract	970302

Owner

Source: Macon County records, as of October 6, 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	61 CLOVER LN, FRANKLIN, NC 28734-2897
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jun 16, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2013 · Amount on Record
Deed Sale	Aug 5, 2013 · Amount on Record
Prior Sale	Dec 19, 2005 · Amount on Record
Deed Document Number	20135660
Deed Book / Page	35 / 287
Last Transfer Date	Jun 9, 2020
Transfer Doc	Z39/251
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	61 CLOVER LN, FRANKLIN, NC 28734-2897
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 CLOVER LN, FRANKLIN, NC 28734-2897

Mortgage

Document Number	00Z43/1979
Date	Oct 16, 2025
Book Page	Z-43/1979
Instrument	2025006319

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR # 100, IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.37%
Index	1-Year CMT

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	61 CLOVER LN, FRANKLIN, NC 28734-2897
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000Z39/613
Date	Jun 18, 2020
Book Page	Z-39/613
Instrument	2020003935

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Jun 16, 2020
Property Address	61 CLOVER LN, FRANKLIN, NC 28734-2897
Document Number	Z39/251
Book / Page	Z-39 / 251
Map Reference	MB 1 PG 205
Instrument Date	Jun 9, 2020
Instrument	2020003867
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 CLOVER LN, FRANKLIN, NC 28734-2897

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Municipality	Franklin Town
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,211.00	$320,940 (+0.16%) Land $31,160 Building $289,780	$320,940 (+0.16%) Land $31,160 Building $289,780
2025	$1,211.00 (+6.04%)	$320,440 (-) Land $31,160 Building $289,280	$320,440 (-) Land $31,160 Building $289,280
2023	$1,142.00	$320,440 Land $31,160 Building $289,280	$320,440 Land $31,160 Building $289,280

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

Flood

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2023)
Most Recent Claim	Mar 2023 · other causes

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRANKLIN serves 9,992 people · EPA ID NC0157010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Dec 2024 Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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