97 Cochran Ln, Franklin, NC 28734 Property Records

Macon County property record for 97 Cochran Ln, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1972
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on Record
Last Sale	$126,000 (Dec 2017)
Tax Bill	$669 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6599327234`

Property Details

APN / Parcel Number

Primary APN	`6599327234`
Alternative APNs	`1143323` `149293`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Heated Area
1st Floor Area	1,200 sqft
Basement Area	570 sqft
Unfinished Basement	570 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	55,757 sqft (1.28 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	156 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	149293
Street Address	97 COCHRAN LN
City	FRANKLIN
State	NC
Zip	28734-4272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SHEPHERD CREEK
Jurisdiction	MACON NC
Township / Civil Division	COWEE
Census Block Group	1
Census Block	1024
Census Tract	970100

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	97 COCHRAN LN, FRANKLIN, NC 28734-4272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Dec 22, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2017 · Amount on Record
Deed Sale	Dec 22, 2017 · Amount on Record
Prior Sale	Oct 10, 2003
Deed Document Number	20178741
Deed Book / Page	38 / 1447
Last Transfer Date	Apr 7, 2021
Transfer Doc	00U40/1572
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Apr 12, 2021
Property Address	97 COCHRAN LN, FRANKLIN, NC 28734-4272
Document Number	00U40/1572
Book / Page	U-40 / 1572
Instrument Date	Apr 7, 2021
Instrument	2021003424
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 COCHRAN LN, FRANKLIN, NC 28734-4272

Mortgage

Document Number	2021003425
Date	Apr 12, 2021
Instrument	2021003425

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Dec 22, 2017
Property Address	97 COCHRAN LN, FRANKLIN, NC 28734-4272
Document Number	00I38/1447
Book / Page	I-38 / 1447
Instrument Date	Dec 14, 2017
Instrument	2017008741
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	327 CEDAR RIDGE RD, 327, FRANKLIN, NC 28734-4246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 CO OP RD, FRANKLIN, NC 28734-8607

Mortgage

Document Number	00I38/1456
Date	Dec 22, 2017
Book Page	I-38/1456
Instrument	2017008742

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$669.00 (+7.04%)	$157,780 (+9.33%) Land $42,490 Building $115,290	$157,780 (+9.33%) Land $42,490 Building $115,290
2025	$625.00 (+1.96%)
2023	$613.00	$144,310 Land $42,490 Building $101,820	$144,310 Land $42,490 Building $101,820

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	7 in force
Nearby Flood Claims	6 (2004–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Dec 2015 · river or lake flooding
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

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 57% of the US · above 80% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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