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90 McKay Street

90 McKay Street, Franklin, NC 28734
Property in Macon
Sold Oct 11, 2019
$160,000
$45,000 by Nantahala Bank & Trust Company
Mortgage Due Oct 11, 2034
Sold Oct 23, 2008
$145,000
Local assessors in Franklin, NC have categorized 90 McKay Street as a residential type of property. The home was built in 1978 and is 46 years old. It was most recently renovated and altered in 1988. The property's lot size has been calculated to be 9,148 square feet. Sharp-eyed aficionados of architecture will notice that the home on the property was built in a conventional style. Now, let's dive a bit deeper into the details surrounding the home on the property. There are 5 rooms in the home. Of these, 3 have been legally categorized as bedrooms. For more details, please view your local government regulations on what counts as a legal bedroom. As for the restroom situation, there are 2 full bathrooms. There are also 2 partial bathrooms. This is a single story home so it's perfect for folks who don't want to have to climb stairs on a daily basis. If we look only at the heated or air conditioned part of the building, then 90 McKay Street has a total of 1,440 sqft of living area. Note that this number does not include the square footage of the garage, basement, and/or porch into its calculations.

Curious to learn more about the home? Our team of data engineers have sourced the most up-to-date information from the local assessors office to share with you. The home sources its water from a water system. The home is connected to a sewer system. Which is great for homeowners who want a more hands-off approach to handling their wastewater disposal. Do you like to entertain? The home has both a screened porch and a patio so you'll have great options in both the front and back of the home. Moving onto specific details regarding the building. Our sources show that the building condition is average. It might sound scary but did you know that buildings can move depending on the weather? Both hot and cold weather can have severe impact on the longevity of your home structure depending on how much your home moves. Hence why architects pay a lot of attention to the type of control joints used in the construction process. Just so you know, this home was built with frame control joints. Not only do we know the type, but we also know that the assessors have graded the quality of these control joints with a letter grade - C. The building has a gable style roof that was made of composition shingle. Lots of alum/vinyl siding were used in the construction of the exterior walls of the home. Residents rely on air conditioning for their cooling system. The home's a heat pump is the primary heating source and it is being fueled with electricity. There is a single fireplace in the home which may result in additional cleaning fees for the homeowner. Here at RealtyHop, we've focused a lot of our efforts into gathering up-to-date and accurate data for our users. Based on our sources, 90 McKay Street was last sold in Sep 30, 2019 for $160,000. According to our calculations, that's $111.11 per sqft. Prior to that sales transaction, the property was sold for $145,000 in Oct 23, 2008. Current property owners are expected to pay $826 in taxes per year. The property on 90 McKay Street was last assessed in 2023. As a result of that assessment, the total value of the property was placed at $222,800. To break that down further, the land itself was valued at $23,790. While improvements to the property were assessed at a total of $199,010. Based on our records, the total market value for this property has been marked the same as the total assessed value as of this moment. Which is nothing out of the ordinary. If possible, try to put down at least 20% towards the down payment during your home purchasing process. While you may be able to buy a home with less than a 20% down payment, your lender may then require you to pay for a private mortgage insurance (PMI). PMI protects the lenders and lowers their financial risk in case the borrower defaults. Generally, you'll need to pay more PMI when your total loan amount is higher. However, certain factor such as your credit score, loan type, loan term, and loan-to-value ratio can all impact your PMI as well.This property is not listed for sale at this point in time but RealtyHop is constantly updating our inventory of available sales listings in real time. Don't want to miss out on this property? You can save the listing to your favorites by signing up for a RealtyHop account or you can check back frequently for updates.

Building Features

Exterior

Vinyl Siding

Parking

Garage Parking
This property description is generated based on publicly available data.

Building Info

Overview

    General

  • Year Built: 1978
  • Effective Year Built: 1988
  • Total Rooms: 5
  • Bedroom Count: 3
  • Bathroom Count: 2
  • Full Bathrooms: 2
  • Partial Bathrooms: 2
  • Building Condition: Average
  • Building Quality: C
  • Construction Type: Frame
  • Building Style: Conventional
  • Exterior Walls Type: Alum/Vinyl siding
  • Roof Shape Type: Gable
  • Roof Cover Type: Composition shingle
  • Floor Count: 1
  • Basement Type: Unspecified basement
  • Basement Area: 1,440
  • Parking Space Count: 0
  • Patio Type: Patio
  • Porch Type: Screened porch

    Dimensions

  • Lot Size Square Feet: 9,148
  • Lot Size Frontage Feet: 0
  • Total Building Area: 1,440
  • Building Area: 1,440
  • Building Area Measurement: Heated Area

    Heating and Cooling

  • Fireplace Count: 1
  • Air Conditioning: Yes
  • Heating: Heat pump
  • Heated Square Feet: 1,440
  • Heating Fuel Type: Electricity

    Utilities

  • Sewer System: Yes
  • Water Service: Yes

Building

  • Property Class: Residential
  • Subdivision: PROPERTY OF JOSEPH B MOSES
  • Land Acres: 0.21
  • Standard Land Use Code: Single family residential
  • Legal Description 1: MCKAY ST-LYLE ST

Ownership

  • Current Owner : BERNAL CYNTHIA JANE
  • Previous Owner : MERCIER ANGELA P
  • Owner Before Previous Owner: TASTINGER JOHN A
  • Owner Before Previous Owner 2: TASTINGER JULIE W H
  • Is Owner Occupied: Owner-occupied property

Neighborhood

  • School District Name: Macon County Schools
  • School Tax School District: F01 FRANKLIN
  • Census Tract: 970302

Zoning

  • Zoning: FR1

Geography

  • Assessors Map Reference: MAP 6585
  • Account Number: 145527
  • District: 12
  • Parcel: 6585913194
  • Municipality: FRANKLIN CITY
  • Latitude: 35.1848
  • Longitude: -83.3878

    Address

  • Full Address: 90 Mckay St
  • Address - House Number: 90
  • Address - Street Name: Mckay
  • Address - Suffix Type: St
  • State: NC
  • City Name: Franklin
  • Carrier Code: C003
  • 4-Digit Zip Code: 2982
  • Zip Code: 28734

Valuation

    Tax

  • Tax Year: 2023
  • Tax Amount: $826

    Appraisal Valuation

  • Standard Deviation: 0.1437
  • Valuation Date: Sep 21, 2023
  • Confidence Score: 71
  • Final Value: 254,186
  • High Value: 290,725
  • Low Value: 217,646

    Open Liens

  • Total Open Liens: 1
  • Total Open Liens Amount: $45,000
  • First Open Lien Mortgage Lender: NANTAHALA BANK & TRUST COMPANY
  • First Open Lien Mortgage Recording Date: Oct 11, 2019
  • First Open Lien Mortgage Financing Type: Variable
  • First Open Lien Mortgage Loan Amount: $45,000
  • First Open Lien Mortgage Term: 180
  • First Open Lien Mortgage Position: 1
  • First Open Lien Mortgage Loan Type: Future Advance Clause / Open End Mortgage
  • First Open Lien Mortgage Loan Due Date: Oct 11, 2034

    Market Valuation

  • Market Total Value: $222,800
  • Market Land Value: $23,790
  • Market Improvement Value: $199,010

    Assessments Valuation

  • Assessed Year: 2023
  • Assessed Total Value: $222,800
  • Assessed Land Value: $23,790
  • Assessed Improvements Value: $199,010

    Sales

  • Current Sale Contract Date: Sep 30, 2019
  • Current Sale Recording Date: Oct 11, 2019
  • Current Sale Transaction ID: 11664458740
  • Current Sale Price: $160,000
  • Current Sale Document Type: Warranty Deed
  • Current Sale Input Document Number: 2019006884
  • Previous Sale Recording Date: Oct 23, 2008
  • Previous Sale Contract Date: Oct 23, 2008
  • Previous Sale Amount: $145,000
  • Previous Sale Document Type: Warranty Deed

    Last Sale Mortgage

  • First Mortgage Lender: NANTAHALA BANK & TRUST COMPANY
  • First Mortgage Transaction Date: Oct 11, 2019
  • First Mortgage Loan Amount: $45,000
  • First Mortgage Terms: 180
  • First Mortgage Loan Type: Future Advance Clause / Open End Mortgage
  • First Mortgage Loan Due Date: Oct 11, 2034

    Financing

  • First Mortgage Financing Type: Variable

About Franklin



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Frequently Asked Questions

What neighborhood is 90 McKay Street located in?
The 90 McKay Street is a other located in the neighborhood of Macon in Franklin, Franklin.
What is the average sales price for listings in 90 McKay Street?
The average sales price for units in 90 McKay Street is $0 currently.

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