Macon County property record for 21 Cardinal Ln, Otto, NC 28763
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,160 sqft · built 1989 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jun 2016) |
| Tax Bill | $752 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 6580644635 |
| Primary APN | 6580644635 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,160 sqft Heated Area |
| 1st Floor Area | 1,160 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 52,708 sqft (1.21 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 200 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 137680 |
|---|---|
| Street Address | 21 CARDINAL LN |
| City | OTTO |
| State | NC |
| Zip | 28763-0169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 441 |
| Jurisdiction | MACON NC |
| Township / Civil Division | SMITHBRIDGE |
| Census Block Group | 4 |
| Census Block | 4043 |
| Census Tract | 970700 |
21 Cardinal Ln is owned and occupied by an individual who bought it in June 2016.
Source: Macon County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 CARDINAL LN, FRANKLIN, NC 28734-2312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2016 · Amount on File |
| Deed Sale | Jun 22, 2016 · Amount on File |
| Deed Document Number | 20163709 |
| Deed Book / Page | 37 / 1055 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 21 Cardinal Ln was $752.
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 | $752.00 | $186,490 Land $33,700 Building $152,790 | $186,490 Land $33,700 Building $152,790 |
| 2025 | $752.00 | ||
| 2023 | $740.00 | $186,590 Land $33,700 Building $152,890 | $186,590 Land $33,700 Building $152,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Cardinal Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2009.
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 File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (2009–2015) |
| Claims Outside the SFHA | 5 of 8 |
| Most Recent Claim | Dec 2015 · river or lake flooding |
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 risk around 21 Cardinal Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 115 / 7 |
May also be available: BalsamWest FiberNET, Skyrunner.
4G LTE (outdoors only), no 5G reported
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