107 Owl Gap Rd, Highlands, NC 28741 Property Records

Macon County property record for 107 Owl Gap Rd, Highlands, NC 28741

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,496 sqft · built 2007
Lot Size0.8 acres (34,848 sqft)
OwnerIndividual Name on File
Last Sale$775,000 (Jun 2023)
Tax Bill$2,193 (2026)
Deeds & MortgagesMay 2021 Mortgage
Jun 2023 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN7439175410

Property Details

APN / Parcel Number

Primary APN7439175410
Alternative APNs
  • 149551
  • 155114

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories2 Stories
Building Area1,496 sqft Heated Area
1st Floor Area896 sqft
Upper Floors Area600 sqft
Basement Area600 sqft
Finished Basement600 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2015
Architectural StyleConventional
Exterior MaterialWood
Construction TypeFrame
Foundation TypeCrossed Walls
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area34,848 sqft (0.8 acres)
TerrainRolling
Garage Area384 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchPatio
Porch Area131 sqft
Deck AreaDeck Area
Patio Area131 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic

Location & Zoning

Account Number155114
Street Address107 OWL GAP RD
CityHIGHLANDS
StateNC
Zip28741
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDILLARD RD PC 8313
Legal SubdivisionDILLARD RD
JurisdictionMACON NC
Township / Civil DivisionHIGHLANDS
Census Block Group1
Census Block1040
Census Tract970501

Owner

107 Owl Gap Rd is owned by an individual who bought it in June 2023.

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

Owner of RecordIndividual Name on File
Mailing Address7911 PARK RD, CHARLOTTE, NC 28210-6727
Owner TypeIndividual

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

DateDocument
May 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
SWBC MORTGAGE CORP
Jun 2, 2023Warranty Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
May 14, 2021Warranty Deed, Transfer · Conventional Mortgage
SWBC MORTGAGE CORP
May 24, 2018Deed of Trust, Mortgage · Line of Credit
ENTEGRA BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 2, 2023 · Amount on File
Deed SaleJun 2, 2023 · Amount on File
Prior SaleMay 14, 2021 · Amount on File
Deed Document Number20233315
Deed Book / Page42 / 43
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMACON NC
Property Address107 OWL GAP RD, HIGHLANDS, NC 28741
Transaction TypeMortgage
Record UpdatedAug 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00X40/1172
DateMay 18, 2021
Book PageX-40/1172
Instrument2021004786
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
AddressSAN ANTONIO, TX 78216
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.62%
Type Change DateJun 1, 2031
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change7.62%
IndexOther
Max Rate7.62%

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACON NC
Recording DateJun 2, 2023
Property Address107 OWL GAP RD, HIGHLANDS, NC 28741
Document Number0000O42/43
Book / PageO-42 / 43
Map ReferenceMB X-40 PG 796-800
Instrument DateMay 10, 2023
Instrument2023003315
Transaction TypeTransfer
Record UpdatedJun 19, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,550.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7911 PARK RD, CHARLOTTE, NC 28210-6727

Mortgage

Document Number2023003316
DateJun 2, 2023
Instrument2023003316
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACON NC
Recording DateMay 14, 2021
Property Address107 OWL GAP RD, HIGHLANDS, NC 28741
Document NumberX40/796
Book / PageX-40 / 796
Map ReferenceCARD 8315
Instrument DateMay 7, 2021
Instrument2021004715
Transaction TypeTransfer
Record UpdatedMay 31, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,250.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address107 OWL GAP RD, HIGHLANDS, NC 28741

Mortgage

Document Number000X40/801
DateMay 14, 2021
Book PageX-40/801
Instrument2021004716
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
AddressSAN ANTONIO, TX 78216
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.62%
Type Change DateJun 1, 2031
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change7.62%
IndexOther
Max Rate7.62%

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMACON NC
Property Address107 OWL GAP RD, HIGHLANDS, NC 28741
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberP38/0967
DateMay 24, 2018
Book PageP-38/0967
Instrument2018003493
Lender
NameENTEGRA BANK
TypeBank
AddressFRANKLIN, NC 28734
Agreement
TypeLine of Credit
AmountAmount on Record
Term121 Months
DueJun 9, 2028
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2026 property tax bill for 107 Owl Gap Rd was $2,193, up 3.3% from the year before.

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMacon County
Unified School DistrictMacon County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,193.00 (+3.35%)$692,640 Land $144,400 Building $548,240$692,640 Land $144,400 Building $548,240
2025$2,122.00
2023$2,110.00$659,240 Land $144,400 Building $514,840$659,240 Land $144,400 Building $514,840

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

Flood

FEMA maps place 107 Owl Gap Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective November 8, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Nearby Flood Policies15 in force
Nearby Flood Claims3 (2003–2004)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2004 · Hurricane Ivan
Claims by Event
  • Hurricane Ivan, Sep 2004 · 2 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

Wildfire risk around 107 Owl Gap Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 46% of the US · above 67% of North Carolina
Wildfire Likelihood0.09% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemHIGHGATE S/D
private · serves 62 people · EPA ID NC1057013
Water SourceGroundwater
Last State InspectionDec 2025
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber
7,000 / 7,000
Starlink
Satellite
280 / 30

May also be available: Hotwire Communications, Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Owl Gap Rd

Nearby Streets

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