Macon County property record for 107 Hemlock Ln, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,600 sqft · built 1984 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | Individual Name on File |
| Last Sale | $625,000 (Jun 2021) |
| Tax Bill | $2,588 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7551639041 |
| Primary APN | 7551639041 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,600 sqft Heated Area |
| 1st Floor Area | 2,600 sqft |
| Basement Area | 1,472 sqft |
| Finished Basement | 1,472 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 28,314 sqft (0.65 acres) |
| Terrain | Rolling |
| View / Lot | Golf Course |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 360 sqft |
| Deck Area | 220 sqft |
| Patio Area | 528 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 149977 |
|---|---|
| Street Address | 107 HEMLOCK LN |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-7349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 21 SEC BI WILDCAT CLIFFS SUBD |
| Legal Subdivision | WILDCAT CLIFFS |
| Legal Lot Number | 21 |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970502 |
Source: Macon County records · APN 7551639041
Assessment roll updated September 22, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 4454 SWILCAN BRIDGE LN N, JACKSONVILLE, FL 32224-5617 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK & TRUST CO |
| Jun 30, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST AMERICAN BANK & TRUST CO |
| Aug 20, 2018 | Intrafamily Transfer, Transfer |
| Jun 09, 2017 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on Record |
| Deed Sale | Jun 30, 2021 · Amount on Record |
| Prior Sale | Jun 09, 2017 · Amount on Record |
| Deed Document Number | 20216295 |
| Deed Book / Page | 41 / 2178 |
| Prior Transfer Date | Aug 13, 2018 |
| Prior Transfer Doc | 00T38/1125 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 107 HEMLOCK LN, HIGHLANDS, NC 28741-7349 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4454 SWILCAN BRIDGE LN N, JACKSONVILLE, FL 32224-5617 |
| Document Number | 000P42/790 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | P-42/790 |
| Instrument | 2023003972 |
| Name | FIRST AMERICAN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | ATHENS, GA 30601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jul 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 10.7% |
| Index | Other |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Jun 30, 2021 |
| Property Address | 107 HEMLOCK LN, HIGHLANDS, NC 28741-7349 |
| Document Number | 00A41/2178 |
| Book / Page | A-41 / 2178 |
| Map Reference | CARD 11575 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021006295 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5011 NE QUAYSIDE TER, 5011, MIAMI SHORES, FL 33138-2257 |
| Name | Verified Name |
|---|---|
| Address | 4454 SWILCAN BRIDGE LN N, JACKSONVILLE, FL 32224-5617 |
| Document Number | 2021006296 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021006296 |
| Name | FIRST AMERICAN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jun 30, 2022 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Aug 20, 2018 |
| Property Address | 107 HEMLOCK LN, HIGHLANDS, NC 28741-7349 |
| Document Number | 00T38/1125 |
| Book / Page | T-38 / 1125 |
| Map Reference | MB2 PG28 |
| Instrument Date | Aug 13, 2018 |
| Instrument | 2018005657 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5011 NE QUAYSIDE TER, 5011, MIAMI SHORES, FL 33138-2257 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 9880 NE 8TH AVE, MIAMI SHORES, FL 33138-2509 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Jun 09, 2017 |
| Property Address | 107 HEMLOCK LN, HIGHLANDS, NC 28741-7349 |
| Document Number | 00Z37/0886 |
| Book / Page | Z-37 / 0886 |
| Map Reference | PL 2 PG 28 |
| Instrument Date | Jun 06, 2017 |
| Instrument | 2017003703 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 501 NE QUAYSIDE TER, MIAMI, FL 33138 |
Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $853,850 (-) Land $150,000 Building $703,850 | $853,850 (-) Land $150,000 Building $703,850 | |
| 2025 | $2,588.00 (+0.47%) | $853,850 (-) Land $150,000 Building $703,850 | $853,850 (-) Land $150,000 Building $703,850 |
| 2023 | $2,576.00 | $853,850 Land $150,000 Building $703,850 | $853,850 Land $150,000 Building $703,850 |
Source: FEMA National Flood Hazard Layer, Macon County (37113C), as of November 8, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371139705021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 2 (2013–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Wildfire Risk | Low lower than 62% of the US · above 52% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
May also be available: BalsamWest FiberNET, Hotwire Communications.
Based on FCC filings for 117 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC0157118, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WILDCAT CLIFFS COUNTRY CLUB private · serves 445 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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