354 Flat Mountain Estates Rd, Highlands, NC 28741 Property Records

Macon County property record for 354 Flat Mountain Estates Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,889 sqft · built 2017
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$1,150,000 (Sep 2018)
Tax Bill	$4,082 (2026)
Deeds & Mortgages	Jul 2020 Mortgage May 2017 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7531904868`

Property Details

APN / Parcel Number

Primary APN	`7531904868`
Alternative APNs	`0503758` `143228`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,889 sqft Heated Area
1st Floor Area	1,889 sqft
Basement Area	1,889 sqft
Finished Basement	1,889 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	45,738 sqft (1.05 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	520 sqft
Carport	Carport
Carport Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	644 sqft
Deck Area	48 sqft
Patio Area	572 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	143228
Street Address	354 FLAT MOUNTAIN ESTATES RD
City	HIGHLANDS
State	NC
Zip	28741-0560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 9B SEC B FLAT TOP MTN
Legal Subdivision	FLAT TOP MOUNTAIN
Legal Lot Number	9B
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2058
Census Tract	970501

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	354 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
May 30, 2017	Deed of Trust, Mortgage · Construction Mortgage THE FLORENCE MAUBOULES CHARITABLE TRUST
Nov 17, 2020	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 19, 2018	Warranty Deed, Transfer · Line of Credit TOWER FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2018 · Amount on Record
Deed Sale	Sep 19, 2018 · Amount on Record
Prior Sale	Jun 16, 2016 · Amount on Record
Deed Document Number	20186452
Deed Book / Page	38 / 2230
Prior Transfer Date	Dec 28, 2012
Prior Transfer Doc	00J35/1981
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	354 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-0560
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00B40/1693
Date	Jul 29, 2020
Book Page	B-40/1693
Instrument	2020005168

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	354 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-0560
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00Y37/1979
Date	May 30, 2017
Book Page	Y-37/1979

Lender

Name	THE FLORENCE MAUBOULES CHARITABLE TRUST
Type	Non-Lending Institution
Address	CROWLEY, LA 70527

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 26, 2017

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	354 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-0560
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 FLAT MOUNTAIN ESTS, HIGHLANDS, NC 28741-0560

Mortgage

Document Number	00J40/1273
Date	Nov 17, 2020
Book Page	J-40/1273
Instrument	2020009000

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 21, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Sep 19, 2018
Property Address	354 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-0560
Document Number	00U38/2230
Book / Page	U-38 / 2230
Map Reference	PL CARD8876
Instrument Date	Sep 13, 2018
Instrument	2018006452
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 860, CASHIERS, NC 28717-0860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3808 VILLA CT, NAPA, CA 94558-6472

Mortgage

Document Number	2018006454
Date	Sep 19, 2018
Instrument	2018006454

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,082.00 (+3.47%)	$1,323,320 (-) Land $120,940 Building $1,202,380	$1,323,320 (-) Land $120,940 Building $1,202,380
2025	$3,945.00 (+0.31%)	$1,323,320 (-) Land $120,940 Building $1,202,380	$1,323,320 (-) Land $120,940 Building $1,202,380
2023	$3,933.00	$1,323,320 Land $120,940 Building $1,202,380	$1,323,320 Land $120,940 Building $1,202,380

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2020–2024)
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hotwire Communications.

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