125 Charlotte Ln, Highlands, NC 28741 Property Records

Macon County property record for 125 Charlotte Ln, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,508 sqft · built 1977
Lot Size	4.05 acres (176,418 sqft)
Owner	Individual Name on File
Tax Bill	$2,775 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7540681671`

Property Details

APN / Parcel Number

Primary APN	`7540681671`
Alternative APNs	`0543195` `111494`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,508 sqft Heated Area
1st Floor Area	2,508 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	176,418 sqft (4.05 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	Deck Area
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	111494
Street Address	125 CHARLOTTE LN
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OFF RD 1545
Legal Subdivision	CLIFFORD TALLEY
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2052
Census Tract	970501

Owner

125 Charlotte Ln is owned by an individual who acquired it in August 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1401, HIGHLANDS, NC 28741-1401
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage RABUN COUNTY BANK
Dec 3, 2019	Deed of Trust, Mortgage RABUN COUNTY BANK
Aug 16, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 15, 2019
Transfer Doc	00J39/0889
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	125 CHARLOTTE LN, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A40/1504
Date	Jul 10, 2020
Book Page	A-40/1504
Instrument	2020004624

Lender

Name	RABUN COUNTY BANK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	125 CHARLOTTE LN, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00P39/1065
Date	Dec 3, 2019
Book Page	P-39/1065
Instrument	2019008406

Lender

Name	RABUN COUNTY BANK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Amount	Amount on Record
Term	12 Months
Due	Dec 3, 2020

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Aug 16, 2019
Property Address	125 CHARLOTTE LN, HIGHLANDS, NC 28741
Document Number	00J39/0889
Book / Page	J-39 / 0889
Instrument Date	Aug 15, 2019
Instrument	2019005325
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 LITTLE RD, FRANKLIN, NC 28734-6639

Tax Assessment & Valuation

The 2026 property tax bill for 125 Charlotte Ln was $2,775, up 3.4% from the year before.

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	$2,775.00 (+3.39%)	$887,020 (-) Land $220,320 Building $666,700	$887,020 (-) Land $220,320 Building $666,700
2025	$2,684.00	$887,020 Land $220,320 Building $666,700	$887,020 Land $220,320 Building $666,700
2023	$2,672.00	$887,020 Land $220,320 Building $666,700	$887,020 Land $220,320 Building $666,700

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

Flood

FEMA maps place 125 Charlotte Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 125 Charlotte Ln is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Frontier, Verizon.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Charlotte Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures