1451 Flat Mountain Rd, Highlands, NC 28741 Property Records

Macon County property record for 1451 Flat Mountain Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,102 sqft · built 1995
Lot Size	28.4 acres (1,239,718 sqft)
Owner	Company Name on File
Last Sale	$9,000,000 (May 2025)
Tax Bill	$10,159 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7541029118`

Property Details

APN / Parcel Number

Primary APN	`7541029118`
Alternative APNs	`0550339` `145914`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	4,102 sqft Heated Area
1st Floor Area	2,427 sqft
Upper Floors Area	1,287 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Roof Type	Gable
Roof Material	Metal
Lot Area	1,239,718 sqft (28.4 acres)
Terrain	Rolling
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,333 sqft
Deck Area	216 sqft
Patio Area	471 sqft
Shed	1 Shed
Shed Area	245 sqft
Utility Building	120 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Account Number	145914
Street Address	1451 FLAT MOUNTAIN RD
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	ON RD 1544
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2044
Census Tract	970501

Owner

Source: Macon County records · APN 7541029118

Assessment roll updated September 22, 2025 · Last verified August 2026

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

Owner of Record	Company Name on File
Mailing Address	15720 BRIXHAM HILL AVE, 300, CHARLOTTE, NC 28277-4784
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Jun 09, 2020	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Mar 29, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2025 · Amount on Record
Deed Sale	May 13, 2025 · Amount on Record
Deed Document Number	20252764
Deed Book / Page	43 / 911
Prior Transfer Date	Mar 28, 2019
Prior Transfer Doc	00C39/1980
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	1451 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8767
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000G42/468
Date	Nov 29, 2022
Book Page	G-42/468
Instrument	2022009029

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	9.62%
Type Change Date	Dec 01, 2029
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	14.6%
Index	Other
Max Rate	14.6%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	1451 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8767
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00Y39/1654
Date	Jun 09, 2020
Book Page	Y-39/1654
Instrument	2020003668

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	CASHIERS, NC 28717

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	May 22, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Mar 29, 2019
Property Address	1451 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8767
Document Number	00C39/1980
Book / Page	C-39 / 1980
Instrument Date	Mar 28, 2019
Instrument	2019001833
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 BOWERS CIR, BLAIRSVILLE, GA 30512-6235

Tax Assessment & Valuation

Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$4,389,510 (+5.95%) Land $1,158,200 Building $3,231,310	$4,389,510 (+5.95%) Land $1,158,200 Building $3,231,310
2025	$10,159.00 (+17%)	$4,142,830 (+4.84%) Land $1,157,020 Building $2,985,810	$4,142,830 (+4.84%) Land $1,157,020 Building $2,985,810
2023	$8,683.00	$3,951,560 Land $1,157,020 Building $2,794,540	$3,951,560 Land $1,157,020 Building $2,794,540

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 8, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 32 locations within half a mile of this property.

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