90 Wilds Cove Rd, Franklin, NC 28734 Property Records

Macon County property record for 90 Wilds Cove Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,480 sqft · built 1997
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Sep 2026)
Tax Bill	$1,473 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6556632053`

Property Details

APN / Parcel Number

Primary APN	`6556632053`
Alternative APNs	`1032826` `140890` `159973`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,480 sqft Heated Area
1st Floor Area	1,240 sqft
Upper Floors Area	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	560 sqft
Deck Area	64 sqft
Patio Area	566 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	159973
Street Address	90 WILDS COVE RD
City	FRANKLIN
State	NC
Zip	28734-9335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OFF SR 1387
Jurisdiction	MACON NC
Township / Civil Division	BURNINGTOWN
Census Block Group	1
Census Block	1042
Census Tract	970200

Owner

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

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
Mailing Address	90 WILDS COVE RD, FRANKLIN, NC 28734-9335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CREDIT UNION
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 3, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Dec 12, 1997
Deed Document Number	20265684
Deed Book / Page	44 / 239
Prior Transfer Date	Apr 21, 2025
Prior Transfer Doc	00R43/1220
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Sep 4, 2026
Property Address	90 WILDS COVE RD, FRANKLIN, NC 28734-9335
Document Number	0000005684
Book / Page	44 / 239
Instrument Date	Aug 31, 2026
Instrument	20265684
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,900.00
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	90 WILDS COVE RD, FRANKLIN, NC 28734-9335

Mortgage

Document Number	0000005685,
Date	Sep 4, 2026
Instrument	20265685

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	90 WILDS COVE RD, FRANKLIN, NC 28734-9335
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000P42/246
Date	Jun 28, 2023
Book Page	P-42/246
Instrument	2023003866

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	90 WILDS COVE RD, FRANKLIN, NC 28734-9335
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	B41/1005
Date	Jul 12, 2021
Book Page	B-41/1005
Instrument	2021006550

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Oct 3, 2017
Property Address	90 WILDS COVE RD, FRANKLIN, NC 28734-9335
Document Number	E38/2446
Book / Page	E-38 / 2446
Instrument Date	Sep 27, 2017
Instrument	2017006747
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 WILDS COVE RD, 90, FRANKLIN, NC 28734-9335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 WILDS COVE RD, FRANKLIN, NC 28734-9335

Tax Assessment & Valuation

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	$1,473.00 (+0.68%)	$388,810 (+1.12%) Land $50,860 Building $337,950	$388,810 (+1.12%) Land $50,860 Building $337,950
2025	$1,463.00 (+0.76%)	$384,510 (-0.03%) Land $50,860 Building $333,650	$384,510 (-0.03%) Land $50,860 Building $333,650
2023	$1,452.00	$384,610 Land $50,860 Building $333,750	$384,610 Land $50,860 Building $333,750

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

Flood

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	9 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
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 61% of the US · above 84% of North Carolina
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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