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648 Shepherds Gap Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 648 Shepherds Gap Rd, Cullowhee, NC 28723 · Last verified August 2023

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,168 sqft · built 1999
Lot Size2.09 acres (91,476 sqft)
OwnerIndividual Name on File
Last Sale$700,000 (Jan 2023)
Tax Bill$2,154 (2023)
Deeds & MortgagesJan 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN7554-58-4638

Property Details

APN / Parcel Number

Primary APN7554-58-4638
Alternative APN
  • 121744

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,168 sqft Heated Area
Gross Area4,008 sqft
1st Floor Area1,888 sqft
Attic Area280 sqft
Basement Area1,840 sqft
Unfinished Basement1,840 sqft
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Exterior MaterialAluminum/Vinyl
Roof TypeWood Truss
Roof MaterialAsphalt
Lot Area91,476 sqft (2.09 acres)

Exterior Amenities

PorchOpen Porch
Porch Area560 sqft
Deck Area240 sqft
Patio Area480 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number121744
Street Address648 SHEPHERDS GAP RD
CityCULLOWHEE
StateNC
Zip28723-6975
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 29 SHEPHERDS MTN
Legal Township15
Legal Lot Number29
JurisdictionJACKSON NC
Township / Civil DivisionHAMBURG
Census Block Group2
Census Block2016
Census Tract950800

Owner

Source: Jackson County records · APN 7554-58-4638

Assessment roll updated January 1, 2023 · Last verified August 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1234 JERICHO LN, CHARLOTTE, NC 28270-9520
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 09, 2023 · Amount on Record
Deed SaleJan 09, 2023 · Amount on Record
Deed Document Number0002349992
Deed Book / Page2349 / 992
Record UpdatedJun 07, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON NC
Recording DateJan 09, 2023
Property Address648 SHEPHERDS GAP RD, CULLOWHEE, NC 28723-6975
Document Number0023490992
Book / Page2349 / 992
Map ReferenceCAB 9 SL 277
Instrument DateJan 04, 2023
Transaction TypeTransfer
Record UpdatedJan 23, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address358 NORTHAMPTON RD, LEESBURG, GA 31763-4518

Transferred To (Grantee/Buyer)

NameVerified Name
Address1234 JERICHO LN, CHARLOTTE, NC 28270-9520

Mortgage

Document Number0002349998
DateJan 09, 2023
Instrument2349/998
Lender
NameRAYMOND JAMES BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2053
Interest
Rate TypeAdjustable Rate
Rate4.25%
Type Change DateFeb 01, 2028
Change FrequencyAnnually
Min Rate At Change2.87%
Max Rate At Change6.25%
Index1-Year T-Bill
Max Rate9.25%

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated January 1, 2023 · Last verified August 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyJackson County
Unified School DistrictJackson County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2023$2,154.00$566,900 Land $250,000 Building $316,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (37099C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370999508002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 14 individual NFIP policies nearby
Nearby Flood Policies14 in force
Nearby Flood Claims3 (2013–2024)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 2024, rainfall accumulation, Tropical Storm Helene

Wildfire

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire LikelihoodAbout 1 in 1,389 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 34 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
BalsamWest FiberNETFiber1,000 / 500
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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