Macon County property record for 657 Jacobs Branch Rd, Franklin, NC 28734
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,288 sqft · built 2005 |
| Lot Size | 16 acres (696,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $515,000 (Jan 2021) |
| Tax Bill | $2,291 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6585197848 |
| Primary APN | 6585197848 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,288 sqft Heated Area |
| 1st Floor Area | 2,288 sqft |
| Basement Area | 2,288 sqft |
| Unfinished Basement | 2,288 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 696,960 sqft (16 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 1,076 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 1,072 sqft |
| Deck Area | 264 sqft |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 148680 |
|---|---|
| Street Address | 657 JACOBS BRANCH RD |
| City | FRANKLIN |
| State | NC |
| Zip | 28734-7445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | JACOBS BR |
| Legal Subdivision | STEVEN N DYE |
| Jurisdiction | MACON NC |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 970302 |
657 Jacobs Branch Rd is owned and occupied by an individual who bought it in January 2021.
Source: Macon County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 657 JACOBS BRANCH RD, FRANKLIN, NC 28734-7445 |
| 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.
| Date | Document |
|---|---|
| Jun 29, 2017 | Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK |
| Jan 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2021 · Amount on File |
| Deed Sale | Jan 8, 2021 · Amount on File |
| Prior Sale | Oct 17, 2003 · Amount on File |
| Deed Document Number | 2021203 |
| Deed Book / Page | 40 / 2026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 657 JACOBS BRANCH RD, FRANKLIN, NC 28734-7445 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A38/0827 |
|---|---|
| Date | Jun 29, 2017 |
| Book Page | A-38/0827 |
| Instrument | 2017004247 |
| Name | ENTEGRA BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 9, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Jan 8, 2021 |
| Property Address | 657 JACOBS BRANCH RD, FRANKLIN, NC 28734-7445 |
| Document Number | N40/2026 |
| Book / Page | N-40 / 2026 |
| Map Reference | MB 5 CARD 11287 |
| Instrument Date | Jan 7, 2021 |
| Instrument | 2021000203 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 657 JACOBS BRANCH RD, FRANKLIN, NC 28734-7445 |
| Document Number | 2021000204 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021000204 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 657 Jacobs Branch Rd was $2,291.
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,291.00 | $638,560 Land $153,380 Building $485,180 | $638,560 Land $153,380 Building $485,180 |
| 2025 | $2,291.00 | ||
| 2023 | $2,166.00 | $619,560 Land $153,380 Building $466,180 | $619,560 Land $153,380 Building $466,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 657 Jacobs Branch Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2023) |
| Most Recent Claim | Mar 2023 · other causes |
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 657 Jacobs Branch Rd is moderate, ranking above 55% 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 55% of the US · above 77% 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Optimum, Verizon.
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