Macon County property record for 29 Cottage Row, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,150 sqft · built 1995 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,296 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7540772345 |
| Primary APN | 7540772345 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,150 sqft Heated Area |
| 1st Floor Area | 1,700 sqft |
| Upper Floors Area | 450 sqft |
| Attic | Attic |
| Attic Area | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 264 sqft |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 41964 |
|---|---|
| Street Address | 29 COTTAGE ROW |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-7113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | PARCEL 5 COTTAGE ROW |
| Legal Subdivision | COTTAGE ROW |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970502 |
29 Cottage Row is owned and occupied by an individual who acquired it in April 2004.
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 | 29 COTTAGE ROW, HIGHLANDS, NC 28741-7113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2004 |
| Deed Sale | Apr 2, 2004 |
| Deed Book / Page | 27 / 674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 29 COTTAGE ROW, HIGHLANDS, NC 28741-7113 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | A41/2146 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | A-41/2146 |
| Instrument | 2021006290 |
| Name | ABSOLUTE HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFIELD, NJ 07004 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2026 property tax bill for 29 Cottage Row was $1,296, down 6.4% from the year before.
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 | $1,296.00 (-6.43%) | $437,820 Land $50,000 Building $387,820 | $437,820 Land $50,000 Building $387,820 |
| 2025 | $1,385.00 | ||
| 2023 | $1,373.00 | $437,820 Land $50,000 Building $387,820 | $437,820 Land $50,000 Building $387,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 29 Cottage Row in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 38 policies |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 2 (2013–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 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 risk around 29 Cottage Row is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF HIGHLANDS serves 6,614 people · EPA ID NC0157015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 1,000 / 50 |
May also be available: Frontier, Hotwire Communications.
5G (outdoors only) and 4G LTE
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