130 Summit Rd, Otto, NC 28763 Property Records

Macon County property record for 130 Summit Rd, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,424 sqft · built 1992
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Jun 2025)
Tax Bill	$885 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6489508918`

Property Details

APN / Parcel Number

Primary APN	`6489508918`
Alternative APNs	`0700749` `102957`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,424 sqft Heated Area
1st Floor Area	1,424 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	28,314 sqft (0.65 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	308 sqft
Deck Area	380 sqft
Patio Area	760 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	102957
Street Address	130 SUMMIT RD
City	OTTO
State	NC
Zip	28763-8113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 44 SUMMIT SUB
Legal Subdivision	SUMMIT
Legal Lot Number	44
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	5
Census Block	5048
Census Tract	970700

Owner

Source: Macon County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	130 SUMMIT RD, OTTO, NC 28763-8113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Oct 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2025 · Amount on Record
Deed Sale	Jun 3, 2025 · Amount on Record
Prior Sale	Aug 23, 1996 · Amount on Record
Deed Document Number	20253137
Deed Book / Page	43 / 504
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	130 SUMMIT RD, OTTO, NC 28763-8113
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SUMMIT RD, OTTO, NC 28763-8113

Mortgage

Document Number	00C44/1648
Date	Dec 10, 2025
Book Page	C-44/1648
Instrument	2025007591

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	5001 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	130 SUMMIT RD, OTTO, NC 28763-8113
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SUMMIT RD, OTTO, NC 28763-8113

Mortgage

Document Number	00T42/2265
Date	Oct 11, 2023
Book Page	T-42/2265
Instrument	2023006350

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

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

Tax Assessment & Valuation

Source: Macon County assessment roll, as of September 22, 2025

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		$225,770 (-) Land $29,580 Building $196,190	$225,770 (-) Land $29,580 Building $196,190
2025	$885.00 (+1.37%)
2023	$873.00	$225,770 Land $29,580 Building $196,190	$225,770 Land $29,580 Building $196,190

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
Nearby Flood Policies	2 in force

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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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