345 Cedar Cliff Rd, Otto, NC 28763 Property Records

Macon County property record for 345 Cedar Cliff Rd, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,596 sqft · built 1989
Lot Size	4.02 acres (175,111 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Feb 2019)
Tax Bill	$1,082 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6580203335`

Property Details

APN / Parcel Number

Primary APN	`6580203335`
Alternative APNs	`0702216` `128984`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,596 sqft Heated Area
1st Floor Area	1,064 sqft
Upper Floors Area	532 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	175,111 sqft (4.02 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	469 sqft
Deck Area	16 sqft
Patio Area	212 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	128984
Street Address	345 CEDAR CLIFF RD
City	OTTO
State	NC
Zip	28763-8224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	HERITAGE HILL EST
Legal Subdivision	HERITAGE HILLS ESTATES
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	5
Census Block	5028
Census Tract	970700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1800 BELL RD, OTTO, NC 28763-9081
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 15, 2019	Special Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Feb 15, 2019	Deed, Transfer
Jun 5, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	2019967
Deed Book / Page	39 / 2353
Prior Transfer Date	Jun 4, 2018
Prior Transfer Doc	P38/2180
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	345 CEDAR CLIFF RD, OTTO, NC 28763-8224
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	S40/1337
Date	Mar 15, 2021
Book Page	S-40/1337
Instrument	2021002419

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MACON NC
Recording Date	Feb 15, 2019
Property Address	345 CEDAR CLIFF RD, OTTO, NC 28763-8224
Document Number	A39/2353
Book / Page	A-39 / 2353
Map Reference	CAB 1 SL 205 PG 7
Instrument Date	Feb 15, 2019
Instrument	2019000967
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 CAPITOL CITY BLVD, 3900, LANSING, MI 48906-2147

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019000968
Date	Feb 15, 2019
Instrument	2019000968

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2039

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MACON NC
Recording Date	Feb 15, 2019
Property Address	345 CEDAR CLIFF RD, OTTO, NC 28763-8224
Document Number	A39/2348
Book / Page	A-39 / 2348
Map Reference	CAB 1 SL 205 PG 7
Instrument Date	Jan 17, 2019
Instrument	2019000966
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2900 ESPERANZA XING, 2900, AUSTIN, TX 78758-3658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 CAPITOL CITY BLVD, LANSING, MI 48906-2147
Investor	Possibly a Property Investor

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MACON NC
Recording Date	Jun 5, 2018
Property Address	345 CEDAR CLIFF RD, OTTO, NC 28763-8224
Document Number	P38/2180
Book / Page	P-38 / 2180
Instrument Date	Jun 4, 2018
Instrument	2018003742
Transaction Type	Foreclosure
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Tax	$415.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 ESPERANZA XING, AUSTIN, TX 78758-3658
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$287,490 (-0.03%) Land $65,470 Building $222,020	$287,490 (-0.03%) Land $65,470 Building $222,020
2023	$1,082.00	$287,590 Land $65,470 Building $222,120	$287,590 Land $65,470 Building $222,120

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	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)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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