Macon County property record for 641 Cook Rd, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,424 sqft · built 1990 |
| Lot Size | 7.51 acres (327,136 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $50,000 (Mar 1989) |
| Deeds & Mortgages | Sep 2021 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7514360988 |
| Primary APN | 7514360988 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,424 sqft Heated Area |
| 1st Floor Area | 1,864 sqft |
| Upper Floors Area | 560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 327,136 sqft (7.51 acres) |
| Terrain | Rolling |
| Porch | Patio |
| Porch Area | 784 sqft |
| Utility Building | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 44376 |
|---|---|
| Street Address | 641 COOK RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-3707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | RD 1525 SUGARFORK |
| Legal Subdivision | BERRYFIELD MOUNTAIN ESTATES |
| Jurisdiction | MACON NC |
| Township / Civil Division | ELLIJAY |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970400 |
Source: Macon County records, as of August 18, 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 | 641 COOK RD, FRANKLIN, NC 28734-3707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 1989 · Amount on Record |
| Deed Sale | Mar 31, 1989 · Amount on Record |
| Deed Book / Page | 18 / 292 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 641 COOK RD, FRANKLIN, NC 28734-3707 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 641 COOK RD, FRANKLIN, NC 28734-3707 |
| Document Number | F41/2425 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | F-41/2425 |
| Instrument | 2021008724 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 641 COOK RD, FRANKLIN, NC 28734-3707 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | Y40/1077 |
|---|---|
| Date | May 28, 2021 |
| Book Page | Y-40/1077 |
| Instrument | 2021005208 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Macon County assessment roll, as of September 22, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $479,310 (+16.02%) Land $86,600 Building $392,710 | $479,310 (+16.02%) Land $86,600 Building $392,710 |
| 2023 | $413,110 Land $86,600 Building $326,510 | $413,110 Land $86,600 Building $326,510 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
May also be available: Optimum.
4G LTE only, no 5G reported
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