354 Moonlight Ln, Highlands, NC 28741 Property Records

Macon County property record for 354 Moonlight Ln, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1994
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on File
Last Sale	$446,000 (Nov 2023)
Tax Bill	$1,934 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7439290504`

Property Details

APN / Parcel Number

Primary APN	`7439290504`
Alternative APNs	`0512180` `139510` `156340`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,320 sqft Heated Area
1st Floor Area	1,320 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	50,094 sqft (1.15 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	68 sqft
Deck Area	470 sqft
Patio Area	524 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	156340
Street Address	354 MOONLIGHT LN
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 17 SEC B MTN LAUREL SUBD
Legal Subdivision	MOUNTAIN LAUREL SUBD
Legal Lot Number	17
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1040
Census Tract	970501

Owner

354 Moonlight Ln is owned by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1780 COMMERCIAL DR, NAPLES, FL 34112-4752
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
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 3, 2023	Warranty Deed, Transfer · Conventional Mortgage RABUN COUNTY BANK
Mar 29, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	Oct 26, 1993 · Amount on File
Deed Document Number	20237024
Deed Book / Page	42 / 681
Prior Transfer Date	Mar 28, 2017
Prior Transfer Doc	W37/0557
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	354 MOONLIGHT LN, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 MOONLIGHT LN, HIGHLANDS, NC 28741

Mortgage

Document Number	000G44/505
Date	Feb 25, 2026
Book Page	G-44/505
Instrument	2026001167

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 3, 2023
Property Address	354 MOONLIGHT LN, HIGHLANDS, NC 28741
Document Number	000V42/681
Book / Page	V-42 / 681
Map Reference	CARD 12806
Instrument Date	Nov 1, 2023
Instrument	2023007024
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1780 COMMERCIAL DR, NAPLES, FL 34112-4752

Mortgage

Document Number	2023007025
Date	Nov 3, 2023
Instrument	2023007025

Lender

Name	RABUN COUNTY BANK
Type	Bank

Agreement

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

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Mar 29, 2017
Property Address	354 MOONLIGHT LN, HIGHLANDS, NC 28741
Document Number	W37/0557
Book / Page	W-37 / 0557
Map Reference	PL CAB 1 SL 333
Instrument Date	Mar 28, 2017
Instrument	2017001998
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$9.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1342, HIGHLANDS, NC 28741-1342

Tax Assessment & Valuation

The 2026 property tax bill for 354 Moonlight Ln was $1,934, up 3.4% from the year before.

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	$1,934.00 (+3.37%)	$605,900 (-) Land $150,550 Building $455,350	$605,900 (-) Land $150,550 Building $455,350
2025	$1,871.00	$605,900 Land $150,550 Building $455,350	$605,900 Land $150,550 Building $455,350
2023	$1,698.00	$550,000 Land $150,550 Building $399,450	$550,000 Land $150,550 Building $399,450

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

Flood

FEMA maps place 354 Moonlight Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2003–2004)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2004 · Hurricane Ivan
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

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 354 Moonlight Ln is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIGHGATE S/D private · serves 62 people · EPA ID NC1057013
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber · DSL	7,000 / 7,000
Vyve Broadband Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Moonlight Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures