881 Shepherds Gap Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 881 Shepherds Gap Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,307 sqft · built 2015
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,474 (2023)
Deeds & Mortgages	Jan 2024 Transfer Sep 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7554-59-9676`

Property Details

APN / Parcel Number

Primary APN	`7554-59-9676`
Alternative APN	`105951`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,307 sqft
Gross Area	4,812 sqft
1st Floor Area	2,330 sqft
Fireplaces	4 Fireplaces
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2015
Exterior Material	Wood
Lot Area	117,612 sqft (2.7 acres)
Porch	Porch
Porch Area	414 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	105951
Street Address	881 SHEPHERDS GAP RD
City	CULLOWHEE
State	NC
Zip	28723-9762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 18 SHEPHERDS MTN
Legal Township	15
Legal Subdivision	SHEPHERDS MOUNTAIN
Legal Lot Number	18
Jurisdiction	JACKSON NC
Township / Civil Division	HAMBURG
Census Block Group	2
Census Block	2016
Census Tract	950800

Owner

Source: Jackson County records, as of January 17, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	881 SHEPHERDS GAP RD, CULLOWHEE, NC 28723-9762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Intrafamily Transfer, Transfer
Sep 6, 2017	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Aug 25, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Jan 4, 2024
Transfer Doc	0023700261
Record Updated	Jun 7, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON NC
Recording Date	Jan 4, 2024
Property Address	881 SHEPHERDS GAP RD, CULLOWHEE, NC 28723-9762
Document Number	0023700261
Book / Page	2370 / 261
Map Reference	CAB 11 SL 84
Instrument Date	Jan 3, 2024
Transaction Type	Transfer
Record Updated	Jan 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5700 SANDALWOOD DR, BATON ROUGE, LA 70806-8035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	881 SHEPHERDS GAP RD, CULLOWHEE, NC 28723-9762

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	881 SHEPHERDS GAP RD, CULLOWHEE, NC 28723-9762
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021961503
Date	Sep 6, 2017
Book Page	2196/1503

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2018
Change Frequency	Monthly
Index	LIBOR

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	881 SHEPHERDS GAP RD, CULLOWHEE, NC 28723-9762
Document Number	0021961522
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	881 SHEPHERDS GAP RD CULLOWHEE NC 287239762, CULLOWHEE, NC 28723-9762

Mortgage

Document Number	0021961522
Date	Sep 6, 2017
Book Page	002196/001522

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	3.85%

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of January 1, 2023

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
2023	$3,474.00	$914,390 Land $100,000 Building $814,390

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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BalsamWest FiberNET Fiber	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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