1277 Cobb Rd, Highlands, NC 28741 Property Records

Macon County property record for 1277 Cobb Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,738 sqft · built 1960
Lot Size	0.89 acres (38,768 sqft)
Owner	Individual Name on Record
Last Sale	$1,500,000 (Feb 2022)
Tax Bill	$6,862 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7530710193`

Property Details

APN / Parcel Number

Primary APN	`7530710193`
Alternative APNs	`136669` `151660`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,738 sqft Heated Area
1st Floor Area	1,738 sqft
Basement Area	1,508 sqft
Finished Basement	1,508 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.89 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	396 sqft
Carport	Carport
Carport Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	1,524 sqft
Deck Area	96 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	151660
Street Address	1277 COBB RD
City	HIGHLANDS
State	NC
Zip	28741-6506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	NCSR 1619
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1029
Census Tract	970501

Owner

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 Record
Mailing Address	255 GRAPEVINE RUN, SANDY SPRINGS, GA 30350-4464
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Deed Document Number	20221141
Deed Book / Page	41 / 232
Prior Transfer Date	Apr 14, 2014
Prior Transfer Doc	0036002380
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Feb 11, 2022
Property Address	1277 COBB RD, HIGHLANDS, NC 28741-6506
Document Number	000Q41/232
Book / Page	Q-41 / 232
Map Reference	CARD 11897
Instrument Date	Feb 11, 2022
Instrument	2022001141
Transaction Type	Transfer
Record Updated	Feb 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 GRAPEVINE RUN, SANDY SPRINGS, GA 30350-4464

Mortgage

Document Number	2022001142
Date	Feb 11, 2022
Instrument	2022001142

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	1277 COBB RD, HIGHLANDS, NC 28741-6506
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	C41/150
Date	Jul 19, 2021
Book Page	C-41/150
Instrument	2021006870

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Nov 26, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Municipality	Highlands Town
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,862.00 (+10.11%)	$1,562,130 (-) Land $400,000 Building $1,162,130	$1,562,130 (-) Land $400,000 Building $1,162,130
2025	$6,232.00 (+1.93%)
2023	$6,114.00	$1,562,130 Land $400,000 Building $1,162,130	$1,562,130 Land $400,000 Building $1,162,130

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2003–2004)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct 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 System	TOWN OF HIGHLANDS serves 6,614 people · EPA ID NC0157015
Water Source	Surface water
Last State Inspection	May 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2023
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Hotwire Communications Fiber	5,000 / 5,000
Vyve Broadband Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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