96 Timoshaw Trl, Cullowhee, NC 28723 Property Records

Jackson County property record for 96 Timoshaw Trl, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Mar 2017)
Tax Bill	$702 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7534-92-0404`

Property Details

APN / Parcel Number

Primary APN	`7534-92-0404`
Alternative APN	`178720`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Heated Area
1st Floor Area	840 sqft
Basement Area	210 sqft
Unfinished Basement	210 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Porch
Porch Area	210 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	96 TIMOSHAW TRL
City	CULLOWHEE
State	NC
Zip	28723-8568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF PINE CREEK RD
Legal Subdivision	WALNUT GAP SUBDIVISION
Jurisdiction	JACKSON NC
Township / Civil Division	MOUNTAIN
Census Block Group	2
Census Block	2025
Census Tract	950800

Owner

Source: Jackson County records, as of October 13, 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	96 TIMOSHAW TRL, CULLOWHEE, NC 28723-8568
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit MOUNTAIN CREDIT UNION
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN CU
Mar 3, 2017	Warranty Deed, Transfer · Conventional with PMI CHAMPION CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Deed Book / Page	2183 / 1759
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Sep 15, 2026
Property Address	96 TIMOSHAW TRL, CULLOWHEE, NC 28723-8568
Document Number	2428000695
Book / Page	2428 / 695
Instrument Date	Sep 4, 2026
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 TIMOSHAW TRL, CULLOWHEE, NC 28723-8568

Mortgage

Document Number	2428000695,
Date	Sep 15, 2026
Book Page	2428/695

Lender

Name	MOUNTAIN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	96 TIMOSHAW TRL, CULLOWHEE, NC 28723-8568
Document Number	0022630702
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 TIMOSHAW TRL CULLOWHEE NC 287238568, CULLOWHEE, NC 28723-8568

Mortgage

Document Number	0022630702
Date	Mar 23, 2020
Book Page	002263/000702

Lender

Name	MOUNTAIN CU
Type	Credit Union
Address	CANDLER, NC 28715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 22, 2040

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 3, 2017
Property Address	96 TIMOSHAW TRL, CULLOWHEE, NC 28723-8568
Document Number	0021831759
Book / Page	002183 / 001759
Instrument Date	Mar 3, 2017
Transaction Type	Transfer
Record Updated	Mar 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4117 37TH AVE N ST PETERSBURG FL 337131228, ST PETERSBURG, FL 33713-1228

Mortgage

Document Number	21831764
Date	Mar 3, 2017
Book Page	002183/001764

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of October 13, 2026

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
2025	$702.00 (+50.97%)	$184,946 (+51.03%) Land $23,180 Building $161,766
2023	$465.00	$122,460 Land $26,580 Building $95,880

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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

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

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