Jackson County property record for 645 Si Knob Rd, Cullowhee, NC 28723
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 3.5 ba · 4,272 sqft · built 2004 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,418 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7660-24-0751 |
| Primary APN | 7660-24-0751 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,272 sqft Living Area |
| 1st Floor Area | 3,196 sqft |
| Basement Area | 996 sqft |
| Unfinished Basement | 996 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 880 sqft |
| Patio Area | 433 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 645 SI KNOB RD |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-6736 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | OFF WATSON BRANCH RD |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CULLOWHEE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 950700 |
645 Si Knob Rd is owned and occupied by two individuals.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 SI KNOB RD, CULLOWHEE, NC 28723-6736 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 645 SI KNOB RD, CULLOWHEE, NC 28723-6736 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022670749 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 2267/749 |
| Name | ARTHUR STATE BANK |
|---|---|
| Type | Bank |
| Address | UNION, SC 29379 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2030 |
The 2025 property tax bill for 645 Si Knob Rd was $5,418.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,425,868 Land $102,020 Building $1,323,848 | |
| 2025 | $5,418.00 | |
| 2023 | $3,232.00 | $850,710 Land $102,020 Building $748,690 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 645 Si Knob Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
|---|---|
| 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 risk around 645 Si Knob Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 84% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| Sky Fi Fixed Wireless | 25 / 5 |
5G (outdoors only) and 4G LTE
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