645 Siler Rd, Franklin, NC 28734 Property Records

Macon County property record for 645 Siler Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,568 sqft · built 1998
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2017)
Tax Bill	$1,527 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6594025882`

Property Details

APN / Parcel Number

Primary APN	`6594025882`
Alternative APNs	`0133045` `140313`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Heated Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Game Room	Game Room

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	41,818 sqft (0.96 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	544 sqft
Porch	Slab
Porch Area	224 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	140313
Street Address	645 SILER RD
City	FRANKLIN
State	NC
Zip	28734-7309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FR1
Legal Description	SILER RD
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1004
Census Tract	970600

Owner

Source: Macon County records, as of October 6, 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	645 SILER RD, FRANKLIN, NC 28734-7309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 21, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2017 · Amount on Record
Deed Sale	Jul 21, 2017 · Amount on Record
Prior Sale	Feb 16, 2000
Deed Document Number	20174793
Deed Book / Page	38 / 944
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	645 SILER RD, FRANKLIN, NC 28734-7309
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00Z41/2361
Date	Aug 4, 2022
Book Page	Z-41/2361
Instrument	2022006006

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	STEVENSON RANCH, CA 91381

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jul 21, 2017
Property Address	645 SILER RD, FRANKLIN, NC 28734-7309
Document Number	B38/0944
Book / Page	B-38 / 0944
Instrument Date	Jul 14, 2017
Instrument	2017004793
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SILER RD, FRANKLIN, NC 28734-7309

Mortgage

Document Number	B38/0947
Date	Jul 21, 2017
Book Page	B-38/0947
Instrument	2017004794

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company
Address	GAINESVILLE, GA 30501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,527.00	$413,980 (+3.53%) Land $69,900 Building $344,080	$413,980 (+3.53%) Land $69,900 Building $344,080
2025	$1,527.00 (+5.82%)
2023	$1,443.00	$399,880 Land $69,900 Building $329,980	$399,880 Land $69,900 Building $329,980

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · Hurricane Ivan
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

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

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

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: BalsamWest FiberNET, Verizon.

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