985 Cullowhee Mountain Rd, Cullowhee, NC 28723 Property Records

Jackson County property record for 985 Cullowhee Mountain Rd, Cullowhee, NC 28723

Property Summary

Property Type	Single Family Home
Lot Size	8 acres (348,480 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Mar 2021)
Tax Bill	$1,410 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2021 Sale & Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`7558-03-8868`

Property Details

APN / Parcel Number

Primary APN	`7558-03-8868`
Alternative APN	`148030`

Exterior

Lot Area	348,480 sqft (8 acres)

Location & Zoning

Street Address	985 CULLOWHEE MOUNTAIN RD
City	CULLOWHEE
State	NC
Zip	28723-6882
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CULLOWHE MTN RD
Jurisdiction	JACKSON NC
Township / Civil Division	CULLOWHEE
Census Block Group	5
Census Block	5045
Census Tract	950600

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	Company Name on Record
Mailing Address	PO BOX 2496, CULLOWHEE, NC 28723-2496
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage WESLEYAN INVS FNDTN
Mar 4, 2021	Warranty Deed, Transfer · Line of Credit COMMUNITY FIRST BANK
Jun 21, 2017	Warranty Deed, Transfer · Conventional Mortgage SHARON S PURCELL
Jun 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2021 · Amount on Record
Deed Sale	Mar 4, 2021 · Amount on Record
Prior Sale	Jun 21, 2017 · Amount on Record
Deed Book / Page	2294 / 773
Prior Transfer Date	Apr 10, 2017
Prior Transfer Doc	0021921653
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Recording Date	Apr 30, 2026
Property Address	985 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-6882
Document Number	2419000608
Book / Page	2419 / 608
Instrument Date	Apr 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	985 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-6882

Mortgage

Document Number	2419000608,
Date	Apr 30, 2026
Book Page	2419/608

Lender

Name	WESLEYAN INVS FNDTN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	221 Months
Due	Sep 13, 2044

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Mar 4, 2021
Property Address	985 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-6882
Document Number	0022940773
Book / Page	2294 / 773
Map Reference	CAB 15 SL 593
Instrument Date	Mar 3, 2021
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 BRIDGE ST, 51, SYLVA, NC 28779-2820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2496, CULLOWHEE, NC 28723-2496

Mortgage

Document Number	0002294779
Date	Mar 4, 2021
Instrument	2294/779

Lender

Name	COMMUNITY FIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 21, 2017
Property Address	985 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-6882
Document Number	0021910359
Book / Page	002191 / 000359
Instrument Date	Jun 19, 2017
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	51 BRIDGE ST SYLVA NC 287792820, SYLVA, NC 28779-2820

Mortgage

Document Number	21910367
Date	Jun 21, 2017
Book Page	002191/000367

Lender

Name	SHARON S PURCELL
Address	302 SWEETWATER HILLS DR, HENDERSONVILLE, NC 28791-7829
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jun 20, 2019

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Jun 21, 2017
Property Address	985 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-6882
Document Number	0021910341
Book / Page	002191 / 000341
Instrument Date	Apr 10, 2017
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 SWEETWATER HILLS DR HENDERSONVILLE NC 287917829, HENDERSONVILLE, NC 28791-7829

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Jul 19, 2017
Property Address	985 CULLOWHEE MOUNTAIN RD, CULLOWHEE, NC 28723-6882
Document Number	0021921653
Book / Page	002192 / 001653
Instrument Date	Apr 10, 2017
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 SWEETWATER HILLS DR HENDERSONVILLE NC 287917829, HENDERSONVILLE, NC 28791-7829

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
2026		$1,952,556 (+425.94%) Land $381,250 Building $1,571,306
2025	$1,410.00 (+31.53%)	$371,250 (+31.58%) Land $371,250
2023	$1,072.00	$282,150 Land $282,150

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Tropical Storm Helene, Sep 2024 · 13 claims Tropical Storm Frances, Sep 2004 · 3 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 48% of the US · above 70% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

Cell Coverage

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

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