245 Upper Walnut Tree Ln, Topton, NC 28781 Property Records

Macon County property record for 245 Upper Walnut Tree Ln, Topton, NC 28781

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,460 sqft · built 1997
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,225,000 (Sep 2023)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6505857399`

Property Details

APN / Parcel Number

Primary APN	`6505857399`
Alternative APNs	`0928158` `149139` `157113`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,460 sqft Heated Area
1st Floor Area	1,460 sqft
Basement Area	1,442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,462 sqft (0.86 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	800 sqft
Patio Area	805 sqft
Utility Building	240 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	157113
Street Address	245 UPPER WALNUT TREE LN
City	TOPTON
State	NC
Zip	28781-6648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 3 ROCKY BRANCH OVERLOOK
Legal Subdivision	ROCKY BRANCH OVERLOOK
Legal Lot Number	3
Jurisdiction	MACON NC
Township / Civil Division	NANTAHALA
Census Block Group	2
Census Block	2129
Census Tract	970200

Owner

Source: Macon County records, as of August 18, 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 Record
Mailing Address	5114 GREENWAY CV, MEMPHIS, TN 38117-4322
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Quit Claim Deed, Transfer · Line of Credit LAFAYETTE FCU
Sep 28, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 18, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2023 · Amount on Record
Deed Sale	Sep 13, 2023 · Amount on Record
Prior Sale	Mar 18, 2021 · Amount on Record
Deed Document Number	20235666
Prior Transfer Date	Sep 12, 2023
Prior Transfer Doc	000T42/839
Record Updated	Sep 20, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACON NC
Recording Date	Mar 14, 2024
Property Address	245 UPPER WALNUT TREE LN, TOPTON, NC 28781-6648
Document Number	000A43/377
Book / Page	A-43 / 377
Map Reference	CARD 11408
Instrument Date	Mar 13, 2024
Instrument	2024001360
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	RES/TITLE INC, RES TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 GLEN OAKS DR, ATLANTA, GA 30327-4714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5114 GREENWAY CV, MEMPHIS, TN 38117-4322

Mortgage

Document Number	2024001361
Date	Mar 14, 2024
Instrument	2024001361

Lender

Name	LAFAYETTE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACON NC
Recording Date	Sep 28, 2023
Property Address	245 UPPER WALNUT TREE LN, TOPTON, NC 28781-6648
Document Number	000T42/839
Book / Page	T-42 / 839
Map Reference	CARD 11408
Instrument Date	Sep 12, 2023
Instrument	2023006066
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 GLEN OAKS DR, ATLANTA, GA 30327-4714

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 18, 2021
Property Address	245 UPPER WALNUT TREE LN, TOPTON, NC 28781-6648
Document Number	00S40/2117
Book / Page	S-40 / 2117
Map Reference	CARD 11408
Instrument Date	Mar 18, 2021
Instrument	2021002575
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 MEADOW BROOK DR, FLETCHER, NC 28732-9101

Mortgage

Document Number	2021002577
Date	Mar 18, 2021
Instrument	2021002577

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Macon County assessment roll, as of September 22, 2025

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		$933,090 (+0.78%) Land $400,000 Building $533,090	$933,090 (+0.78%) Land $400,000 Building $533,090
2025	$3,093.00 (+0.39%)	$925,890 (+0.01%) Land $400,000 Building $525,890	$925,890 (+0.01%) Land $400,000 Building $525,890
2023	$3,081.00	$925,790 Land $400,000 Building $525,790	$925,790 Land $400,000 Building $525,790

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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