Macon County property record for 181 Chestnut Ln, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 4,156 sqft · built 1979 |
| Lot Size | 1.44 acres (62,726 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,808 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7541832848 |
| Primary APN | 7541832848 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 4,156 sqft Heated Area |
| 1st Floor Area | 3,256 sqft |
| Upper Floors Area | 900 sqft |
| Attic | Attic |
| Attic Area | 900 sqft |
| Basement Area | 1,480 sqft |
| Finished Basement | 1,480 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 62,726 sqft (1.44 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront / Beach |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 84 sqft |
| Patio Area | 818 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 65839 |
|---|---|
| Street Address | 181 CHESTNUT LN |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-8753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 9 HIGHLANDS SPRINGS FALLS |
| Legal Subdivision | HIGHLANDS SPRINGS FALLS |
| Legal Lot Number | 9 |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 970501 |
Source: Macon County records, as of October 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 181 CHESTNUT LN, HIGHLANDS, NC 28741-8753 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Nov 30, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 181 CHESTNUT LN, HIGHLANDS, NC 28741-8753 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | X40/2297 |
|---|---|
| Date | May 24, 2021 |
| Book Page | X-40/2297 |
| Instrument | 2021004977 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 181 CHESTNUT LN, HIGHLANDS, NC 28741-8753 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 181 CHESTNUT LN, HIGHLANDS, NC 28741-8753 |
| Document Number | K40/1413 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | K-40/1413 |
| Instrument | 2020009433 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CASHIERS, NC 28717 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 28, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,808.00 (+3.46%) | $1,566,020 (-) Land $304,840 Building $1,261,180 | $1,566,020 (-) Land $304,840 Building $1,261,180 |
| 2025 | $4,647.00 (+0.26%) | ||
| 2023 | $4,635.00 | $1,566,020 Land $304,840 Building $1,261,180 | $1,566,020 Land $304,840 Building $1,261,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 42 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, Optimum.
4G LTE (outdoors only), no 5G reported
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