128 Summit Trl, Highlands, NC 28741 Property Records

Macon County property record for 128 Summit Trl, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,082 sqft · built 2000
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on Record
Last Sale	$1,775,000 (Nov 2023)
Tax Bill	$4,618 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7530313145`

Property Details

APN / Parcel Number

Primary APN	`7530313145`
Alternative APNs	`0516306` `100092` `153709` `156428`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,082 sqft Heated Area
1st Floor Area	17,165 sqft
Attic	Attic
Attic Area	365 sqft
Basement Area	1,218 sqft
Finished Basement	1,218 sqft

Exterior

Year Built	Built 2000
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	26,572 sqft (0.61 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	96 sqft
Patio Area	412 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	156428
Street Address	128 SUMMIT TRL
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 32
Legal Subdivision	HEMLOCKS AT HIGHGATE
Legal Lot Number	32
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1037
Census Tract	970501

Owner

Source: Macon County records, as of October 6, 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 Record
Mailing Address	4205 VENETIA BLVD, JACKSONVILLE, FL 32210-8425
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 14, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Oct 26, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 26, 2022	Warranty Deed, Transfer BANK OF ST FRANCISVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2023 · Amount on Record
Deed Sale	Nov 14, 2023 · Amount on Record
Prior Sale	Oct 26, 2022 · Amount on Record
Deed Document Number	20237271
Deed Book / Page	42 / 1917
Prior Transfer Date	Oct 21, 2022
Prior Transfer Doc	000E42/806
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	128 SUMMIT TRL, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 VENETIA BLVD, JACKSONVILLE, FL 32210-8425

Mortgage

Document Number	000A44/207
Date	Oct 22, 2025
Book Page	A-44/207
Instrument	2025006444

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 14, 2023
Property Address	128 SUMMIT TRL, HIGHLANDS, NC 28741
Document Number	00V42/1917
Book / Page	V-42 / 1917
Map Reference	MB 1 SL 395 PG 6
Instrument Date	Nov 8, 2023
Instrument	2023007271
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 VENETIA BLVD, JACKSONVILLE, FL 32210-8425

Mortgage

Document Number	2023007272
Date	Nov 14, 2023
Instrument	2023007272

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACON NC
Recording Date	Oct 26, 2022
Property Address	128 SUMMIT TRL, HIGHLANDS, NC 28741
Document Number	000E42/806
Book / Page	E-42 / 806
Map Reference	MB 1 PG 395
Instrument Date	Oct 21, 2022
Instrument	2022008168
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 769, CLAYTON, GA 30525-0020

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Oct 26, 2022
Property Address	128 SUMMIT TRL, HIGHLANDS, NC 28741
Document Number	000E42/809
Book / Page	E-42 / 809
Map Reference	MB 1 SL 395 PG 6
Instrument Date	Oct 21, 2022
Instrument	2022008169
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12371 STAR HILL TRCE, ST FRANCISVLE, LA 70775-7461

Mortgage

Document Number	2022008170
Date	Oct 26, 2022
Instrument	2022008170

Lender

Name	BANK OF ST FRANCISVILLE
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 26, 2023

Tax Assessment & Valuation

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	$4,618.00 (+3.45%)	$1,502,620 (+21.33%) Land $300,000 Building $1,202,620	$1,502,620 (+21.33%) Land $300,000 Building $1,202,620
2025	$4,464.00 (+32.11%)
2023	$3,379.00	$1,238,470 Land $300,000 Building $938,470	$1,238,470 Land $300,000 Building $938,470

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
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	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Vyve Broadband Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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