859 Concho Mtn, Cullowhee, NC 28723 Property Records

Jackson County property record for 859 Concho Mtn, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,244 sqft · built 1974
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$56,250 (Jun 2007)
Tax Bill	$1,188 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7544-75-8667`

Property Details

APN / Parcel Number

Primary APN	`7544-75-8667`
Alternative APN	`163023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,244 sqft Heated Area
1st Floor Area	748 sqft
Upper Floors Area	748 sqft
Basement Area	748 sqft
Finished Basement	748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	859 CONCHO MTN
City	CULLOWHEE
State	NC
Zip	28723-5527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR A,B,C OFF PINE CREEK RD
Legal Subdivision	SURVEY FOR DAVID DAHNKE & NEIL WHITE
Legal Tract	A
Jurisdiction	JACKSON NC
Township / Civil Division	MOUNTAIN
Census Block Group	2
Census Block	2023
Census Tract	950800

Owner

Source: Jackson County records, as of October 13, 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	859 CONCHO MTN, CULLOWHEE, NC 28723-5527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2007 · Amount on Record
Deed Sale	Jun 1, 2007 · Amount on Record
Deed Book / Page	1677 / 446
Prior Transfer Date	May 26, 2007
Prior Transfer Doc	0016770446
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Apr 16, 2026
Property Address	859 CONCHO MTN, CULLOWHEE, NC 28723-5527
Document Number	2418000508
Book / Page	2418 / 508
Instrument Date	Apr 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	859 CONCHO MTN, CULLOWHEE, NC 28723-5527
Investor	Possibly a Property Investor

Mortgage

Document Number	2418000508,
Date	Apr 16, 2026
Book Page	2418/508

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2051

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Apr 16, 2026
Property Address	859 CONCHO MTN, CULLOWHEE, NC 28723-5527
Document Number	0024180508
Book / Page	2418 / 508
Instrument Date	Apr 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	859 CONCHO MTN, CULLOWHEE, NC 28723-5527
Investor	Possibly a Property Investor

Mortgage

Document Number	2418000508,
Date	Apr 16, 2026
Book Page	2418/508

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2051

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

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		$312,738 (-) Land $63,730 Building $249,008
2025	$1,188.00 (+45.77%)	$312,738 (+45.72%) Land $63,730 Building $249,008
2023	$815.00	$214,620 Land $60,160 Building $154,460

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2013–2024)
Claims Outside the SFHA	2 of 3
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Sky Fi Fixed Wireless	10 / 1
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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