1726 Upper Divide Rd, Highlands, NC 28741 Property Records

Macon County property record for 1726 Upper Divide Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,717 sqft · built 1996
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Nov 2018)
Tax Bill	$2,287 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7550145611`

Property Details

APN / Parcel Number

Primary APN	`7550145611`
Alternative APNs	`0518613` `143561`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,717 sqft Heated Area
1st Floor Area	1,717 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	182 sqft
Deck Area	120 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	143561
Street Address	1726 UPPER DIVIDE RD
City	HIGHLANDS
State	NC
Zip	28741-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 25 BLK F SEC II HFCC
Legal Subdivision	HIGHLANDS FALLS COUNTRY CLUB
Legal Block	F
Legal Lot Number	25
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1041
Census Tract	970502

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	2568 CARTER GROVE CIR, WINDERMERE, FL 34786-3416
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2018	Warranty Deed, Transfer · ARM SUN TRUST BANK
Jul 31, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Sep 30, 2009 · Amount on Record
Deed Document Number	20187621
Deed Book / Page	38 / 2409
Prior Transfer Date	Jul 7, 2017
Prior Transfer Doc	B38/1849
Record Updated	Sep 20, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 2, 2018
Property Address	1726 UPPER DIVIDE RD, HIGHLANDS, NC 28741-7197
Document Number	W38/2409
Book / Page	W-38 / 2409
Map Reference	CAB 1 SL 349 PG 1
Instrument Date	Nov 2, 2018
Instrument	2018007621
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2568 CARTER GROVE CIR, WINDERMERE, FL 34786-3416

Mortgage

Document Number	2018007623
Date	Nov 2, 2018
Instrument	2018007623

Lender

Name	SUN TRUST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Jul 31, 2017
Property Address	1726 UPPER DIVIDE RD, HIGHLANDS, NC 28741-7197
Document Number	B38/1849
Book / Page	B-38 / 1849
Instrument Date	Jul 7, 2017
Instrument	2017004971
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1726 UPPER DIVIDE RD, HIGHLANDS, NC 28741-7197

Mortgage

Document Number	B38/1851
Date	Jul 31, 2017
Book Page	B-38/1851
Instrument	2017004972

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$749,790 (-) Land $125,000 Building $624,790	$749,790 (-) Land $125,000 Building $624,790
2025	$2,287.00 (+0.53%)	$749,790 (-) Land $125,000 Building $624,790	$749,790 (-) Land $125,000 Building $624,790
2023	$2,275.00	$749,790 Land $125,000 Building $624,790	$749,790 Land $125,000 Building $624,790

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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	2 (2013–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIGHLANDS FALLS COUNTRY CLUB private · serves 650 people · EPA ID NC0157123
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2024 Lead public education Dec 2023
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 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: BalsamWest FiberNET, Hotwire Communications, Verizon.

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