Macon County property record for 199 Upper Lake Rd, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,857 sqft · built 1986 |
| Lot Size | 2.44 acres (106,286 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,155,000 (Apr 2024) |
| Tax Bill | $10,707 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7540729279 |
| Primary APN | 7540729279 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,857 sqft Heated Area |
| 1st Floor Area | 2,924 sqft |
| Upper Floors Area | 933 sqft |
| Basement Area | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 106,286 sqft (2.44 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront / Beach |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 586 sqft |
| Deck Area | 16 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 157434 |
|---|---|
| Street Address | 199 UPPER LAKE RD |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-8667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR1 |
| Legal Description | LOT 10 11 & 29 RHODODENDRON TRAIL |
| Legal Subdivision | RHODODENDRON TRAIL |
| Legal Lot Number | 10 |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 970502 |
Source: Macon County records · APN 7540729279
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 576 14TH AVE S, NAPLES, FL 34102-7114 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 31, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Jul 17, 2019 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jun 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2024 · Amount on Record |
| Deed Sale | Apr 25, 2024 · Amount on Record |
| Deed Document Number | 20242298 |
| Deed Book / Page | 43 / 2421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 199 UPPER LAKE RD, HIGHLANDS, NC 28741-8667 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 199 UPPER LAKE RD, HIGHLANDS, NC 28741-8667 |
| Document Number | 000P41/270 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | P-41/270 |
| Instrument | 2022000716 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BREVARD, NC 28712 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 26, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 199 UPPER LAKE RD, HIGHLANDS, NC 28741-8667 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Name | Verified Name |
|---|
| Document Number | Q40/829 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | Q-40/829 |
| Instrument | 2021001428 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Mar 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 199 UPPER LAKE RD, HIGHLANDS, NC 28741-8667 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | H39/1766 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | H-39/1766 |
| Instrument | 2019004476 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CASHIERS, NC 28717 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 24, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 199 UPPER LAKE RD, HIGHLANDS, NC 28741-8667 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | G39/0318 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | G-39/0318 |
| Instrument | 2019003654 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Municipality | Highlands Town |
| Unified School District | Macon County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,705,700 (-) Land $808,860 Building $1,896,840 | $2,705,700 (-) Land $808,860 Building $1,896,840 | |
| 2025 | $10,707.00 | ||
| 2023 | $2,705,700 Land $808,860 Building $1,896,840 | $2,705,700 Land $808,860 Building $1,896,840 |
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
| 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 |
| Wildfire Risk | Moderate above 43% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Hotwire Communications Fiber | 2,500 / 2,500 |
| Vyve Broadband Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 90 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF HIGHLANDS serves 6,614 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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