197 Cedar Cliff Rd, Otto, NC 28763 Property Records

Macon County property record for 197 Cedar Cliff Rd, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 974 sqft · built 1982
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Sep 2019)
Tax Bill	$489 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`6580106770`

Property Details

APN / Parcel Number

Primary APN	`6580106770`
Alternative APNs	`0702378` `128984` `154845`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	974 sqft Heated Area
1st Floor Area	672 sqft
Upper Floors Area	302 sqft
Attic	Attic
Attic Area	302 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	32,670 sqft (0.75 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	96 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	154845
Street Address	197 CEDAR CLIFF RD
City	OTTO
State	NC
Zip	28763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 22 HERITAGE HILL EST
Legal Subdivision	HERITAGE HILLS ESTATES
Legal Lot Number	22
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	5
Census Block	5028
Census Tract	970700

Owner

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	3935 W BUCHANAN DR, COLUMBIA, SC 29206-2857
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 6, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Prior Sale	Jan 12, 1987 · Amount on Record
Deed Document Number	20195862
Deed Book / Page	39 / 1235
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 24, 2023
Property Address	197 CEDAR CLIFF RD, OTTO, NC 28763
Document Number	0000M42/95
Book / Page	M-42 / 95
Map Reference	MB 5 CARD 10464
Instrument Date	Apr 24, 2023
Instrument	2023002343
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3935 W BUCHANAN DR, COLUMBIA, SC 29206-2857

Mortgage

Document Number	2023002344
Date	Apr 24, 2023
Instrument	2023002344

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Sep 6, 2019
Property Address	197 CEDAR CLIFF RD, OTTO, NC 28763
Document Number	K39/1235
Book / Page	K-39 / 1235
Map Reference	CARD 10464
Instrument Date	Sep 6, 2019
Instrument	2019005862
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Tax	$20.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 BELL RD, OTTO, NC 28763-9081

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

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	$489.00	$108,880 (-) Land $25,940 Building $82,940	$108,880 (-) Land $25,940 Building $82,940
2025	$489.00 (+2.52%)	$108,880 (-) Land $25,940 Building $82,940	$108,880 (-) Land $25,940 Building $82,940
2023	$477.00	$108,880 Land $25,940 Building $82,940	$108,880 Land $25,940 Building $82,940

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 48% of the US · above 70% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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