648 Suntrace Cir, Cullowhee, NC 28723 Property Records

Jackson County property record for 648 Suntrace Cir, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,854 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$665,000 (Jul 2026)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7569-42-8298`

Property Details

APN / Parcel Number

Primary APN	`7569-42-8298`
Alternative APN	`131297`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,854 sqft Heated Area
1st Floor Area	960 sqft
Upper Floors Area	934 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Logs
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	640 sqft
Deck Area	192 sqft
Patio Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	648 SUNTRACE CIR
City	CULLOWHEE
State	NC
Zip	28723-8048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 SUNTRACE
Legal Subdivision	SUNTRACE
Legal Lot Number	1
Jurisdiction	JACKSON NC
Township / Civil Division	CANEY FORK
Census Block Group	1
Census Block	1047
Census Tract	950700

Owner

648 Suntrace Cir is owned by a company that bought it in July 2026.

Source: Jackson County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	903 BROAD ST, LAKE CHARLES, LA 70601-4409
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	Oct 19, 2005 · Amount on File
Deed Book / Page	2423 / 461
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 2, 2026
Property Address	648 SUNTRACE CIR, CULLOWHEE, NC 28723-8048
Document Number	2423000461
Book / Page	2423 / 461
Instrument Date	Jun 29, 2026
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	903 BROAD ST, LAKE CHARLES, LA 70601-4409

Mortgage

Document Number	2423000464,
Date	Jul 2, 2026
Book Page	2423/464

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	648 SUNTRACE CIR, CULLOWHEE, NC 28723-8048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022611976
Date	Mar 3, 2020
Book Page	2261/1976

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 648 Suntrace Cir was $2,742.

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$721,606 (-) Land $43,540 Building $678,066
2025	$2,742.00	$721,606 Land $43,540 Building $678,066
2023	$1,679.00	$442,060 Land $85,120 Building $356,940

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

Flood

FEMA maps place 648 Suntrace Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Wildfire risk around 648 Suntrace Cir is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · above 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Sky Fi Fixed Wireless	25 / 5

May also be available: Frontier.

Cell Coverage

No cell data coverage reported

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