Macon County property record for 640 Flowers Gap Rd, Franklin, NC 28734 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Architecture Style | Conventional |
| Year Built | Built 2003 |
| Square Footage | 864 sqft Heated Area |
| Lot Size | 95,396 sqft (2.19 acres) |
| Last Sale | $456,000 (2025) |
| Tax Bill | $1,652.00 (2025) |
| Primary APN | 7507867874 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 864 sqft Heated Area |
| 1st Floor | 864 sqft 1st Floor |
| Basement Area | 720 sqft Basement |
| Unfinished Basement | 720 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional Style |
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 95,396 sqft (2.19 acres) |
| Deck Area | 140 sqft Deck |
|---|---|
| Patio Area | 576 sqft Patio |
| Porch Area | 144 sqft Porch |
| Topography | Steep Topography |
| Utility Building | 240 sqft Utility Building |
| Sewage | Septic Sewage |
|---|---|
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 153631 |
|---|---|
| Street Address | 640 FLOWERS GAP RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-2377 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOTS 12 13 & 14 GOLD MT EST |
| Legal Subdivision | GOLD MTN ESTATES |
| Legal Lot Number | 12-14 |
| Jurisdiction | MACON NC |
| Minor Civil Division | MILLSHOAL |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 970100 |
Source: Macon County records · APN 7507867874
Assessment roll updated September 22, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 160 N CREST RD, CHATTANOOGA, TN 37404-1733 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jan 17, 2018 | Deed of Trust, Mortgage · Veterans Administration Mortgage CHOU TEAM REALTY INC |
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 26, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Oct 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Oct 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Sep 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 27, 2025 · Amount on Record |
| Deed Sale | Oct 27, 2025 · Amount on Record |
| Prior Sale | Oct 17, 2022 · Amount on Record |
| Deed Book / Page | A44 / 951 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 640 FLOWERS GAP RD, FRANKLIN, NC 28734-2377 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00J38/1451 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | J-38/1451 |
| Instrument | 2018000345 |
| Name | CHOU TEAM REALTY INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE FOREST, CA 92630 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 640 FLOWERS GAP RD, FRANKLIN, NC 28734-2377 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00S39/0011 |
|---|---|
| Date | Jan 24, 2020 |
| Book Page | S-39/0011 |
| Instrument | 2020000517 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 640 FLOWERS GAP RD, FRANKLIN, NC 28734-2377 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 00H40/2172 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | H-40/2172 |
| Instrument | 2020008147 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Mar 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Oct 27, 2025 |
| Property Address | 640 FLOWERS GAP RD, FRANKLIN, NC 28734-2377 |
| Document Number | 000A44/951 |
| Book / Page | A-44 / 951 |
| Map Reference | MB N-7 PG 73 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 2025006569 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | FIRST AMERICAN SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 160 N CREST RD, CHATTANOOGA, TN 37404-1733 |
| Document Number | 2025006570 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 2025006570 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Oct 17, 2022 |
| Property Address | 640 FLOWERS GAP RD, FRANKLIN, NC 28734-2377 |
| Document Number | 00D42/2065 |
| Book / Page | D-42 / 2065 |
| Map Reference | MB N-7 PG 73 |
| Instrument Date | Oct 10, 2022 |
| Instrument | 2022007919 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1318 RUNNYMEADE LN, NORTH CHARLESTON, SC 29406-3385 |
| Document Number | 2022007920 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 2022007920 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Sep 10, 2021 |
| Property Address | 640 FLOWERS GAP RD, FRANKLIN, NC 28734-2377 |
| Document Number | F41/1788 |
| Book / Page | F-41 / 1788 |
| Map Reference | MB N-7 PG 73 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021008599 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3651 QUIET DR, SARASOTA, FL 34240-2716 |
| Document Number | 2021008600 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021008600 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $432,990 (+0.28%) Land $142,410 Building $290,580 | $432,990 (+0.28%) Land $142,410 Building $290,580 | |
| 2025 | $1,652.00 (+0.73%) | $431,790 (-) Land $142,410 Building $289,380 | $431,790 (-) Land $142,410 Building $289,380 |
| 2023 | $1,640.00 | $431,790 Land $142,410 Building $289,380 | $431,790 Land $142,410 Building $289,380 |
640 Flowers Gap Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Macon County (37113C), updated November 8, 2018
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 51st percentile of exposed land nationally · 73rd in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 826 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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