90 McKay St, Franklin, NC 28734 Property Records

Macon County property record for 90 McKay St, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1978
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Oct 2019)
Tax Bill	$893 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`6585913194`

Property Details

APN / Parcel Number

Primary APN	`6585913194`
Alternative APN	`145527`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Heated Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Finished Basement	1,440 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	640 sqft
Deck Area	Deck Area
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	145527
Street Address	90 MCKAY ST
City	FRANKLIN
State	NC
Zip	28734-2982
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FR1
Legal Description	MCKAY ST-LYLE ST
Legal Subdivision	PROPERTY OF JOSEPH B MOSES
Jurisdiction	MACON NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1048
Census Tract	970302

Owner

90 McKay St is owned and occupied by an individual who bought it in October 2019.

Source: Macon County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	90 MCKAY ST, FRANKLIN, NC 28734-2982
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 11, 2019	Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Prior Sale	Oct 23, 2008 · Amount on File
Deed Document Number	20196884
Deed Book / Page	39 / 949
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Recording Date	Apr 9, 2026
Property Address	90 MCKAY ST, FRANKLIN, NC 28734-2982
Document Number	0000002139
Book / Page	44 / 723
Instrument Date	Apr 7, 2026
Instrument	20262139
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 MCKAY ST, FRANKLIN, NC 28734-2982

Mortgage

Document Number	0000002139,
Date	Apr 9, 2026
Book Page	44/723
Instrument	20262139

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Oct 11, 2019
Property Address	90 MCKAY ST, FRANKLIN, NC 28734-2982
Document Number	00M39/0949
Book / Page	M-39 / 0949
Instrument Date	Sep 30, 2019
Instrument	2019006884
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 MCKAY ST, FRANKLIN, NC 28734-2982

Mortgage

Document Number	2019006885
Date	Oct 11, 2019
Instrument	2019006885

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 11, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 90 McKay St was $893.

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Municipality	Franklin Town
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$893.00	$227,400 (-) Land $23,790 Building $203,610	$227,400 (-) Land $23,790 Building $203,610
2025	$893.00	$227,400 Land $23,790 Building $203,610	$227,400 Land $23,790 Building $203,610
2023	$826.00	$222,800 Land $23,790 Building $199,010	$222,800 Land $23,790 Building $199,010

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

Flood

FEMA maps place 90 McKay St 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

Wildfire risk around 90 McKay St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF FRANKLIN serves 9,992 people · EPA ID NC0157010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Dec 2024 Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on McKay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures