Jackson County property record for 97 Settlers Bend, Cullowhee, NC 28723
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,326 sqft · built 2007 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Oct 2021) |
| Tax Bill | $4,329 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7556-63-8983 |
| Primary APN | 7556-63-8983 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,326 sqft Heated Area |
| 1st Floor Area | 1,544 sqft |
| Upper Floors Area | 782 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood Shingle |
| Roof Type | Wood Truss |
| Roof Material | Wood Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 608 sqft |
| Deck Area | 286 sqft |
| Patio Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Street Address | 97 SETTLERS BND |
|---|---|
| City | CULLOWHEE |
| State | NC |
| Zip | 28723-2539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 123 RIVER ROCK |
| Legal Subdivision | SETTLERS BEND |
| Legal Lot Number | 123 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | MOUNTAIN |
| Census Block Group | 5 |
| Census Block | 5047 |
| Census Tract | 950600 |
97 Settlers Bend is owned and occupied by an individual who bought it in October 2021.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 SETTLERS BND, CULLOWHEE, NC 28723-2539 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on File |
| Deed Sale | Oct 29, 2021 · Amount on File |
| Prior Sale | Dec 31, 2015 · Amount on File |
| Deed Document Number | 2021 |
| Deed Book / Page | 2318 / 600 |
| Prior Transfer Date | Oct 28, 2009 |
| Prior Transfer Doc | 0018260693 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Oct 29, 2021 |
| Property Address | 97 SETTLERS BND, CULLOWHEE, NC 28723-2539 |
| Document Number | 0023180600 |
| Book / Page | 2318 / 600 |
| Map Reference | CAB 21 SL 340 |
| Instrument Date | Oct 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13831 N HILLSIDE DR, MEQUON, WI 53097-1420 |
| Name | Verified Name |
|---|---|
| Address | 416 E KENILWORTH AVE, ROYAL OAK, MI 48067-3744 |
| Document Number | 0002318604 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2318/604 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 97 Settlers Bend was $4,329.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,176,715 Land $16,640 Building $1,160,075 | |
| 2025 | $4,329.00 | |
| 2023 | $2,040.00 | $536,960 Land $45,000 Building $491,960 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 97 Settlers Bend in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 2004.
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 File median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 21 (2004–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 97 Settlers Bend is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 75% 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
No cell data coverage reported
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