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1580 Upper Divide Rd, Highlands, NC 28741 Property Records

Macon County property record for 1580 Upper Divide Rd, Highlands, NC 28741 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 2,338 sqft · built 1994
Lot Size0.84 acres (36,590 sqft)
OwnerCompany Name on File
Last Sale$1,050,000 (Jan 2021)
Tax Bill$4,333 (2025)
Deeds & MortgagesApr 2021 Mortgage
Jan 2021 Sale
Flood ZoneZone X (minimal risk)
APN7550141659

Property Details

APN / Parcel Number

Primary APN7550141659
Alternative APNs
  • 0517192
  • 148711

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area2,338 sqft Heated Area
1st Floor Area2,338 sqft
Basement Area1,169 sqft
Finished Basement1,169 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleConventional
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area36,590 sqft (0.84 acres)
TerrainRolling
Garage TypeFinished
Garage Area492 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area324 sqft
Deck Area140 sqft
Patio Area530 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number148711
Street Address1580 UPPER DIVIDE RD
CityHIGHLANDS
StateNC
Zip28741-7194
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 28 BK F SEC II HFCC
Legal SubdivisionHIGHLANDS FALLS COUNTRY CLUB
Legal Lot Number28
JurisdictionMACON NC
Township / Civil DivisionHIGHLANDS
Census Block Group1
Census Block1041
Census Tract970502

Owner

Source: Macon County records · APN 7550141659

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 RecordCompany Name on File
Mailing Address400 N NEW YORK AVE, 103, WINTER PARK, FL 32789-3159
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Apr 06, 2021Deed of Trust, Mortgage · Conventional Mortgage
COGENT BANK
Jan 13, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 13, 2021 · Amount on Record
Deed SaleJan 13, 2021 · Amount on Record
Prior SaleJan 09, 2007 · Amount on Record
Deed Document Number2021325
Deed Book / Page40 / 143
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMACON NC
Property Address1580 UPPER DIVIDE RD, HIGHLANDS, NC 28741-7194
Transaction TypeMortgage
Record UpdatedDec 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000U40/682
DateApr 06, 2021
Book PageU-40/682
Instrument2021003246
Lender
NameCOGENT BANK
TypeBank
AddressNASHVILLE, TN 37201
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACON NC
Recording DateJan 13, 2021
Property Address1580 UPPER DIVIDE RD, HIGHLANDS, NC 28741-7194
Document Number000O40/143
Book / PageO-40 / 143
Map ReferenceCARD 11259
Instrument DateJan 12, 2021
Instrument2021000325
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

AmountAmount Recorded
Tax$2,100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address400 N NEW YORK AVE STE 103, 103, WINTER PARK, FL 32789-3159

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMacon County
Unified School DistrictMacon County Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$1,457,410 (-) Land $125,000 Building $1,332,410$1,457,410 (-) Land $125,000 Building $1,332,410
2025$4,333.00 (+0.28%)
2023$4,321.00$1,457,410 Land $125,000 Building $1,332,410$1,457,410 Land $125,000 Building $1,332,410

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Macon County (37113C), updated November 8, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371139705021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 38 individual NFIP policies nearby
Nearby Flood Policies38 in force
Nearby Flood Claims2 (2013–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 2024, other causes, Tropical Storm Helene

Wildfire

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire LikelihoodAbout 1 in 1,493 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 68 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Vyve BroadbandCable1,000 / 50
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, Hotwire Communications, BalsamWest FiberNET. Availability varies by address; speeds are provider-advertised maximums, not measured.

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