Jackson County property record for 129 Warm Rdg, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,297 sqft · built 1977 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,832 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7571-63-1363 |
| Primary APN | 7571-63-1363 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,297 sqft Heated Area |
| 1st Floor Area | 1,486 sqft |
| Basement Area | 1,560 sqft |
| Unfinished Basement | 1,560 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 442 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 360 sqft |
| Patio Area | 200 sqft |
| Storage Building | 1,024 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 129 WARM RDG |
|---|---|
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-4505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF WHITESIDE COVE RD |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CASHIERS |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 950900 |
129 Warm Rdg is owned and occupied by two individuals.
Source: Jackson County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 129 WARM RDG, HIGHLANDS, NC 28741-4505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 129 WARM RDG, HIGHLANDS, NC 28741-4505 |
| Document Number | 0022141088 |
| Instrument Date | May 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 129 WARM RDG HIGHLANDS NC 28741, HIGHLANDS, NC 28741 |
| Document Number | 0022141088 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 002214/001088 |
| Name | UNITED CMNTY BK |
|---|---|
| Type | Bank |
| Address | CASHIERS, NC 28717 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 22, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 129 Warm Rdg was $1,832.
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $482,223 Land $90,670 Building $391,553 | |
| 2025 | $1,832.00 | |
| 2023 | $1,123.00 | $295,690 Land $74,540 Building $221,150 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 129 Warm Rdg in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1994.
Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 7 (1994–2024) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 129 Warm Rdg is moderate, ranking above 40% of the US, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TIMBER RIDGE private · serves 51 people · EPA ID NC1050069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 11 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 Lead public education Aug 2010 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 52 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.
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