245 Fire House Rd, Otto, NC 28763 Property Records

Macon County property record for 245 Fire House Rd, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,186 sqft · built 1987
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Mar 2023)
Tax Bill	$1,215 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6580646656`

Property Details

APN / Parcel Number

Primary APN	`6580646656`
Alternative APNs	`148688` `154713`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,186 sqft Heated Area
1st Floor Area	1,186 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	39,204 sqft (0.9 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	152 sqft
Patio Area	138 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	154713
Street Address	245 FIRE HOUSE RD
City	OTTO
State	NC
Zip	28763-0079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	HWY 441
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	4
Census Block	4043
Census Tract	970700

Owner

245 Fire House Rd is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	245 FIRE HOUSE RD, OTTO, NC 28763-0079
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jan 12, 2021	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Jan 12, 2021 · Amount on File
Deed Document Number	20231886
Deed Book / Page	42 / 416
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 31, 2023
Property Address	245 FIRE HOUSE RD, OTTO, NC 28763-0079
Document Number	000L42/416
Book / Page	L-42 / 416
Map Reference	DR 21-496 CARD 12474
Instrument Date	Mar 8, 2023
Instrument	2023001886
Transaction Type	Transfer
Record Updated	May 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 FIRE HOUSE RD, OTTO, NC 28763-0079

Mortgage

Document Number	2023001887
Date	Mar 31, 2023
Instrument	2023001887

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 12, 2021
Property Address	245 FIRE HOUSE RD, OTTO, NC 28763-0079
Document Number	N40/2390
Book / Page	N-40 / 2390
Instrument Date	Jan 12, 2020
Instrument	2021000279
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$518.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 FIRE HOUSE RD, OTTO, NC 28763-0079

Mortgage

Document Number	2021000280
Date	Jan 12, 2021
Instrument	2021000280

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 245 Fire House Rd was $1,215.

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	$1,215.00	$323,150 Land $30,200 Building $292,950	$323,150 Land $30,200 Building $292,950
2025	$1,215.00
2023	$1,306.00	$305,150 Land $30,200 Building $274,950	$305,150 Land $30,200 Building $274,950

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

Flood

FEMA maps place 245 Fire House Rd 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 245 Fire House Rd 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 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.

Cell Coverage

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

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