640 Tamarack Trl, Cullowhee, NC 28723 Property Records

Jackson County property record for 640 Tamarack Trl, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,177 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$546,000 (Jun 2022)
Tax Bill	$3,683 (2025)
Deeds & Mortgages	Dec 2019 Refinance Jun 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7569-33-0503`

Property Details

APN / Parcel Number

Primary APN	`7569-33-0503`
Alternative APN	`160174`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,177 sqft Living Area
1st Floor Area	1,229 sqft
Basement Area	869 sqft
Unfinished Basement	869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Logs
Roof Type	Gable
Lot Area	43,560 sqft (1 acres)
Garage Area	506 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Street Address	640 TAMARACK TRL
City	CULLOWHEE
State	NC
Zip	28723-5558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 OFF CANEY FORK RD
Legal Lot Number	1
Jurisdiction	JACKSON NC
Township / Civil Division	RIVER
Census Block Group	1
Census Block	1028
Census Tract	950700

Owner

640 Tamarack Trl is owned and occupied by two individuals who bought it in June 2022.

Source: Jackson County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	640 TAMARACK TRL, CULLOWHEE, NC 28723-5558
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
Dec 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST BANK
Jun 27, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK
Jun 27, 2022	Warranty Deed, Construction Loan · Construction Mortgage FIRST BANK
Mar 9, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2022 · Amount on File
Deed Sale	Jun 27, 2022 · Amount on File
Prior Sale	Mar 9, 2022 · Amount on File
Deed Book / Page	2337 / 1470
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	640 TAMARACK TRL, CULLOWHEE, NC 28723
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022570528
Date	Dec 19, 2019
Book Page	2257/528

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	640 TAMARACK TRL, CULLOWHEE, NC 28723
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2769 SAM DILLS RD, WHITTIER, NC 28789-9257

Mortgage

Document Number	0023371486
Date	Jun 27, 2022
Book Page	2337/1486

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 27, 2022
Property Address	640 TAMARACK TRL, CULLOWHEE, NC 28723
Document Number	0023371470
Book / Page	2337 / 1470
Map Reference	CAB 18 SL 745
Instrument Date	Jun 27, 2022
Transaction Type	Construction Loan
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 RISING OAK DR, 222, ALEDO, TX 76008-1306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 TAMARACK TRL, CULLOWHEE, NC 28723

Mortgage

Document Number	0023371473
Date	Jun 27, 2022
Instrument	2337/1473

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2053

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 9, 2022
Property Address	640 TAMARACK TRL, CULLOWHEE, NC 28723
Document Number	0023290338
Book / Page	2329 / 338
Map Reference	CAB 18 SL 745
Instrument Date	Feb 28, 2022
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$16.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	338 HELEN ZACHARY RD, 338, CULLOWHEE, NC 28723-5557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 RISING OAK DR, ALEDO, TX 76008-1306

Tax Assessment & Valuation

The 2025 property tax bill for 640 Tamarack Trl was $3,683.

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$969,354 Land $73,540 Building $895,814
2025	$3,683.00
2023	$2,016.00	$530,780 Land $56,150 Building $474,630

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

Flood

FEMA maps place 640 Tamarack Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

Wildfire

Wildfire risk around 640 Tamarack Trl is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% 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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Tamarack Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures