98 Hemlock Gap Ln, Franklin, NC 28734 Property Records

Macon County property record for 98 Hemlock Gap Ln, Franklin, NC 28734

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,724 sqft · built 2008
Lot Size	5.13 acres (223,463 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Aug 2017)
Tax Bill	$1,592 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`6531158848`

Property Details

APN / Parcel Number

Primary APN	`6531158848`
Alternative APNs	`0833306` `140461`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,724 sqft Heated Area
1st Floor Area	1,240 sqft
Upper Floors Area	484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	223,463 sqft (5.13 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	196 sqft
Patio Area	544 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	140461
Street Address	98 HEMLOCK GAP LN
City	FRANKLIN
State	NC
Zip	28734-4548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 13 RAINBOW MOUNTAIN
Legal Subdivision	RAINBOW MOUNTAIN
Legal Lot Number	13
Jurisdiction	MACON NC
Township / Civil Division	CARTOOGECHAYE
Census Block Group	5
Census Block	5027
Census Tract	970700

Owner

98 Hemlock Gap Ln is owned and occupied by an individual who bought it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	98 HEMLOCK GAP LN, FRANKLIN, NC 28734-4548
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Aug 11, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2017 · Amount on File
Deed Sale	Aug 11, 2017 · Amount on File
Prior Sale	Apr 9, 1998 · Amount on File
Deed Document Number	20175363
Deed Book / Page	38 / 1016
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	98 HEMLOCK GAP LN, FRANKLIN, NC 28734-4548
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 HEMLOCK GAP LN, FRANKLIN, NC 28734-4548

Mortgage

Document Number	000Q42/990
Date	Jul 28, 2023
Book Page	Q-42/990
Instrument	2023004570

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2038

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 11, 2017
Property Address	98 HEMLOCK GAP LN, FRANKLIN, NC 28734-4548
Document Number	C38/1016
Book / Page	C-38 / 1016
Instrument Date	Aug 11, 2017
Instrument	2017005363
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8685 CIRCLE 647 S, 8685, BUSHNELL, FL 33513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 DEL MAR, INDIALANTIC, FL 32903-2831

Tax Assessment & Valuation

The 2026 property tax bill for 98 Hemlock Gap Ln was $1,592.

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	$1,592.00	$462,030 Land $81,950 Building $380,080	$462,030 Land $81,950 Building $380,080
2023	$1,580.00	$461,930 Land $81,950 Building $379,980	$461,930 Land $81,950 Building $379,980

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

Flood

FEMA maps place 98 Hemlock Gap Ln in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 98 Hemlock Gap Ln is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% 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 9 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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