24 Cardinal Ln, Otto, NC 28763 Property Records

Macon County property record for 24 Cardinal Ln, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,092 sqft · built 1989
Lot Size	2.32 acres (101,059 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Jul 2020)
Tax Bill	$943 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`6580643454`

Property Details

APN / Parcel Number

Primary APN	`6580643454`
Alternative APNs	`0717208` `148623`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Heated Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	101,059 sqft (2.32 acres)
Terrain	Rolling
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	40 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	148623
Street Address	24 CARDINAL LN
City	OTTO
State	NC
Zip	28763-0169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	24 CARDINAL LN
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	4
Census Block	4043
Census Tract	970700

Owner

24 Cardinal Ln is owned and occupied by an individual who bought it in July 2020.

Source: Macon County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	24 CARDINAL LN, OTTO, NC 28763-0169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Jan 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2020 · Amount on File
Deed Sale	Jul 29, 2020 · Amount on File
Prior Sale	Jan 20, 2017 · Amount on File
Deed Document Number	20205182
Deed Book / Page	40 / 1738
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jul 29, 2020
Property Address	24 CARDINAL LN, OTTO, NC 28763-0169
Document Number	00B40/1738
Book / Page	B-40 / 1738
Instrument Date	Jul 29, 2020
Instrument	2020005182
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 CARDINAL LN, OTTO, NC 28763-0169

Mortgage

Document Number	2020005183
Date	Jul 29, 2020
Instrument	2020005183

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 20, 2017
Property Address	24 CARDINAL LN, OTTO, NC 28763-0169
Document Number	00T37/1141
Book / Page	T-37 / 1141
Instrument Date	Jan 20, 2017
Instrument	2017000441
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 WINDING RIDGE RD, OTTO, NC 28763-7100

Tax Assessment & Valuation

The 2026 property tax bill for 24 Cardinal Ln was $943.

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	$943.00	$242,880 Land $46,910 Building $195,970	$242,880 Land $46,910 Building $195,970
2025	$943.00
2023	$930.00	$234,380 Land $46,910 Building $187,470	$234,380 Land $46,910 Building $187,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 24 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

Wildfire risk around 24 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	90 / 5

May also be available: Optimum, Skyrunner, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cardinal Ln

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