Macon County property record for 642 Ruby Mine Rd, Franklin, NC 28734 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1969 |
| Square Footage | 2,410 sqft Heated Area |
| Lot Size | 951,350 sqft (21.8 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $244,500 (2020) |
| Tax Bill | $2,720.00 (2025) |
| Primary APN | 6598129015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 2,410 sqft Heated Area |
| 1st Floor | 2,410 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 951,350 sqft (21.8 acres) |
| Total Buildings | 2 Total Buildings |
|---|---|
| Deck Area | 50 sqft Deck |
| Porch Area | 244 sqft Porch |
| View | Waterfront-Beach (Ocean, River, or Lake) View |
| Topography | Rolling Topography |
| Heating System | Baseboard Heating |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 146742 |
|---|---|
| Street Address | 642 RUBY MINE RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-1773 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | COWEE VALLEY RD 1343 |
| Jurisdiction | MACON NC |
| Minor Civil Division | COWEE |
| Census Blockgroup | 1 |
| Census Block | 1045 |
| Census Tract | 970100 |
Source: Macon County records · APN 6598129015
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 | Individual Name on File |
|---|---|
| Mailing Address | 642 RUBY MINE RD, FRANKLIN, NC 28734-1773 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 28, 2022 | Deed of Trust, Mortgage · Building or Construction Mortgage UNITED COMMUNITY BANK |
| May 15, 2020 | Warranty Deed, Construction Loan · Building or Construction Mortgage UNITED COMMUNITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2020 · Amount on Record |
| Deed Sale | May 15, 2020 · Amount on Record |
| Deed Doc Number | 20203107 |
| Deed Book / Page | 39 / 1089 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 642 RUBY MINE RD, FRANKLIN, NC 28734-1773 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 642 RUBY MINE RD, FRANKLIN, NC 28734-1773 |
| Document Number | 000G42/286 |
|---|---|
| Date | Nov 28, 2022 |
| Book Page | G-42/286 |
| Instrument | 2022008994 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Dec 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | Other |
| Max Rate | 10.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | May 15, 2020 |
| Property Address | 642 RUBY MINE RD, FRANKLIN, NC 28734-1773 |
| Document Number | 00X39/1089 |
| Book / Page | X-39 / 1089 |
| Instrument Date | Apr 20, 2020 |
| Instrument | 2020003107 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 26, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $489.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 642 RUBY MINE RD, FRANKLIN, NC 28734-1773 |
| Document Number | 2020003108 |
|---|---|
| Date | May 15, 2020 |
| Instrument | 2020003108 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jun 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Jun 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
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 | $712,850 (+74.71%) Land $319,760 Building $393,090 | $712,850 (+74.71%) Land $319,760 Building $393,090 | |
| 2025 | $2,720.00 (+103.59%) | ||
| 2023 | $1,336.00 | $408,010 Land $335,760 Building $72,250 | $408,010 Land $335,760 Building $72,250 |
642 Ruby Mine 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 |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 64th percentile of exposed land nationally · 86th in North Carolina |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 448 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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