96 Cross Rd, Franklin, NC 28734 Property Records

Macon County property record for 96 Cross Rd, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,468 sqft · built 1990
Lot Size	2.94 acres (128,066 sqft)
Owner	Individual Name on Record
Tax Bill	$685 (2026)
Deeds & Mortgages	Jan 2019 Mortgage Jan 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7506465331`

Property Details

APN / Parcel Number

Primary APN	`7506465331`
Alternative APNs	`0223227` `48582`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,468 sqft Heated Area
1st Floor Area	1,468 sqft
Basement Area	734 sqft
Unfinished Basement	734 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	128,066 sqft (2.94 acres)
Terrain	Rolling
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	48582
Street Address	96 CROSS RD
City	FRANKLIN
State	NC
Zip	28734-2318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OFF ROAD 1500
Jurisdiction	MACON NC
Township / Civil Division	MILLSHOAL
Census Block Group	1
Census Block	1000
Census Tract	970400

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	Individual Name on Record
Mailing Address	96 CROSS RD, FRANKLIN, NC 28734-2318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Jan 2, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Dec 27, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Nov 24, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED SECURITY FINANCIAL CORP
Jun 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	96 CROSS RD, FRANKLIN, NC 28734-2318
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Z38/1978
Date	Jan 16, 2019
Book Page	Z-38/1978
Instrument	2019000289

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	96 CROSS RD, FRANKLIN, NC 28734-2318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Z38/0763
Date	Jan 2, 2019
Book Page	Z-38/0763
Instrument	2019000008

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	96 CROSS RD, FRANKLIN, NC 28734-2318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Q39/1578
Date	Dec 27, 2019
Book Page	Q-39/1578
Instrument	2019009024

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	96 CROSS RD, FRANKLIN, NC 28734-2318
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	ELEVATED NATL SETMNT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	K40/784
Date	Nov 24, 2020
Book Page	K-40/784
Instrument	2020009324

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	96 CROSS RD, FRANKLIN, NC 28734-2318
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017003897
Date	Jun 19, 2017
Book Page	Z-37/1727
Instrument	2017003897

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$685.00	$166,370 (-0.06%) Land $47,490 Building $118,880	$166,370 (-0.06%) Land $47,490 Building $118,880
2025	$685.00 (+6.37%)
2023	$644.00	$166,470 Land $47,490 Building $118,980	$166,470 Land $47,490 Building $118,980

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.2% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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