Jackson County property record for 86 Old Cave Ln, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,837 sqft · built 2016 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Nov 2015) |
| Tax Bill | $12,798 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7554-93-4105 |
| Primary APN | 7554-93-4105 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,837 sqft Living Area |
| 1st Floor Area | 1,762 sqft |
| Basement Area | 1,533 sqft |
| Finished Basement | 1,533 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 596 sqft |
| Porch | Porch |
| Porch Area | 736 sqft |
| Patio Area | 1,640 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 86 OLD CAVE LN |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 10 SUMMER HILL |
| Legal Subdivision | SUMMER HILL |
| Legal Lot Number | 10 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | HAMBURG |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 950800 |
86 Old Cave Ln is owned by two individuals who bought it in November 2015.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 825 HAMPTON HILL RD, COLUMBIA, SC 29209-1012 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2015 · Amount on File |
| Deed Sale | Nov 2, 2015 · Amount on File |
| Deed Book / Page | 2100 / 415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Dec 11, 2020 |
| Property Address | 86 OLD CAVE LN, CULLOWHEE, NC 28723 |
| Document Number | 0022860307 |
| Book / Page | 002286 / 000307 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,150.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 825 HAMPTON HILL RD COLUMBIA SC 292091012, COLUMBIA, SC 29209-1012 |
| Document Number | 22860310 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 002286/000310 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 10, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 86 Old Cave Ln was $12,798.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,368,042 Land $1,000,000 Building $2,368,042 | |
| 2025 | $12,798.00 | |
| 2023 | $7,543.00 | $1,985,030 Land $600,000 Building $1,385,030 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 86 Old Cave Ln in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 86 Old Cave Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
May also be available: BalsamWest FiberNET, Frontier, Verizon.
5G and 4G LTE (outdoors only)
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