1. Home
  2. North Carolina
  3. Macon County
  4. Highlands
  5. Upper Cottage Ln

20 Upper Cottage Ln, Highlands, NC 28741 Property Records

Jackson County property record for 20 Upper Cottage Ln, Highlands, NC 28741

Property Summary

Property TypeSingle Family Home
Details1 bd · 1.5 ba · 3,038 sqft · built 2005
Lot Size0.08 acres (3,485 sqft)
Owner2 Trust Names on Record
Last Sale$1,395,000 (Sep 2020)
Tax Bill$8,197 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Jul 2020 Sale
Flood ZoneZone X (minimal risk)
APN7551-58-3959

Property Details

APN / Parcel Number

Primary APN7551-58-3959
Alternative APN
  • 145195

Interior

Bedrooms1 Bed
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,038 sqft Heated Area
1st Floor Area1,713 sqft
Basement Area1,325 sqft
Finished Basement1,325 sqft
FlooringWood
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialWood
Roof TypeWood Truss
Roof MaterialWood Shingle
Lot Area3,485 sqft (0.08 acres)
TerrainRolling
Garage TypeCarport
Garage Area276 sqft
CarportCarport
Carport Area276 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchPatio
Porch Area521 sqft
Deck Area52 sqft
Patio Area106 sqft
Storage Building120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address20 UPPER COTTAGE LN
CityHIGHLANDS
StateNC
Zip28741
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 5A,5B THE COTTAGES
Legal SubdivisionTHE COTTAGES AT HIGHLANDS
Legal Lot Number5A,5B
JurisdictionJACKSON NC
Township / Civil DivisionHAMBURG
Census Block Group2
Census Block2094
Census Tract950800

Owner

Source: Jackson County records, as of October 13, 2026

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

Owner of Record2 Trust Names on Record
Mailing Address12515 BAYPOINTE TER, CORTEZ, FL 34215-2568
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Sep 24, 2020Warranty Deed, Transfer · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA
Jul 30, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2020 · Amount on Record
Deed SaleSep 24, 2020 · Amount on Record
Prior SaleOct 18, 2007 · Amount on Record
Deed Book / Page2277 / 1383
Prior Transfer DateJul 30, 2020
Prior Transfer Doc0022721375
Record UpdatedOct 29, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON NC
Recording DateSep 24, 2020
Property Address20 UPPER COTTAGE LN, HIGHLANDS, NC 28741
Document Number0022771383
Book / Page2277 / 1383
Map ReferenceMB 2272 PG 1375-1378
Instrument DateSep 10, 2020
Transaction TypeTransfer
Record UpdatedAug 23, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,790.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address12515 BAYPOINTE TER, CORTEZ, FL 34215-2568

Mortgage

Document Number0022771389
DateSep 24, 2020
Instrument2277/1389
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON NC
Recording DateJul 30, 2020
Property Address20 UPPER COTTAGE LN, HIGHLANDS, NC 28741
Document Number0022721375
Book / Page002272 / 001375
Instrument DateJul 30, 2020
Transaction TypeTransfer
Record UpdatedSep 3, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$952.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address28574 LA CAILLE DR NAPLES FL 341190927, NAPLES, FL 34119-0927

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyJackson County
Unified School DistrictJackson County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$2,157,289 (-) Land $200,000 Building $1,957,289
2025$8,197.00 (+82.93%)$2,157,289 (+82.92%) Land $200,000 Building $1,957,289
2023$4,481.00$1,179,330 Land $200,000 Building $979,330

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 14 policies
Nearby Flood Policies14 in force
Nearby Flood Claims3 (2013–2024)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 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 RiskModerate
above 45% of the US · above 66% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 35 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
BalsamWest FiberNET
Fiber		1,000 / 500
Starlink
Satellite		280 / 30

May also be available: Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Upper Cottage Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures