77 N Gemstone Ave, Franklin, NC 28734 Property Records

Macon County property record for 77 N Gemstone Ave, Franklin, NC 28734

Property Summary

Property Type	Mobile Home
Details	1,056 sqft
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Apr 2026)
Tax Bill	$813 (2026)
Deeds & Mortgages	Mar 2025 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6592073722`

Property Details

APN / Parcel Number

Primary APN	`6592073722`
Alternative APN	`149467`

Interior

Building Area	1,056 sqft Heated Area
1st Floor Area	1,056 sqft
Utility Area	50 sqft

Exterior

Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Lot Area	6,534 sqft (0.15 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	149467
Street Address	77 N GEMSTONE AVE
City	FRANKLIN
State	NC
Zip	28734
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 11 PHASE 1 GEMSTONE VILLAGE
Legal Subdivision	GEMSTONE VILLAGE
Legal Phase	1
Legal Lot Number	11
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1026
Census Tract	970600

Owner

77 N Gemstone Ave, a mobile home, is owned and occupied by an individual who bought it in April 2026.

Source: Macon County records, as of October 14, 2026

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

Owner of Record	Individual Name on File
Mailing Address	77 N GEMSTONE AVE, FRANKLIN, NC 28734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2025	Deed of Trust, Mortgage · Line of Credit TIMOTHY S HUBBS & MICHELE B HUBBS
Apr 30, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Apr 30, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Deed Document Number	20262663
Deed Book / Page	44 / 1096
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	77 N GEMSTONE AVE, FRANKLIN, NC 28734
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 N GEMSTONE AVE, FRANKLIN, NC 28734-1874

Mortgage

Document Number	00P43/1465
Date	Mar 11, 2025
Book Page	P-43/1465
Instrument	2025001381

Lender

Name	TIMOTHY S HUBBS & MICHELE B HUBBS
Type	Private Party
Address	58 WINDSONG DR, FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 10, 2035

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 30, 2026
Property Address	77 N GEMSTONE AVE, FRANKLIN, NC 28734
Document Number	0000002663
Book / Page	44 / 1096
Instrument Date	Apr 29, 2026
Instrument	2026.2663
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$9,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 N GEMSTONE AVE, FRANKLIN, NC 28734

Mortgage

Document Number	0000002665,
Date	Apr 30, 2026
Instrument	2026..2665

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 30, 2026
Property Address	77 N GEMSTONE AVE, FRANKLIN, NC 28734
Document Number	00J44/1096
Book / Page	44 / 1096
Instrument Date	Apr 29, 2026
Instrument	20262663
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$9,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 N GEMSTONE AVE, FRANKLIN, NC 28734

Mortgage

Document Number	0000002665,
Date	Apr 30, 2026
Instrument	20262665

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 77 N Gemstone Ave was $813, up 3.4% from the year before.

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	$813.00 (+3.44%)	$214,100 (+3.98%) Land $42,500 Building $171,600	$214,100 (+3.98%) Land $42,500 Building $171,600
2025	$786.00	$205,900 Land $42,500 Building $163,400	$205,900 Land $42,500 Building $163,400
2023	$137.00	$42,500 Land $42,500	$42,500 Land $42,500

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

Flood

FEMA maps place 77 N Gemstone Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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	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

Wildfire risk around 77 N Gemstone Ave is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: BalsamWest FiberNET, Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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