375 Flat Mountain Rd, Highlands, NC 28741 Property Records

Macon County property record for 375 Flat Mountain Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,092 sqft · built 1977
Lot Size	9.61 acres (418,612 sqft)
Owner	Individual Name on Record
Last Sale	$2,000,000 (Apr 2023)
Tax Bill	$4,753 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7541610188`

Property Details

APN / Parcel Number

Primary APN	`7541610188`
Alternative APNs	`0501667` `148924` `151130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,092 sqft Heated Area
1st Floor Area	3,092 sqft
Utility Area	378 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	418,612 sqft (9.61 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	783 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	726 sqft
Patio Area	290 sqft
Shed	1 Shed
Shed Area	96 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	151130
Street Address	375 FLAT MOUNTAIN RD
City	HIGHLANDS
State	NC
Zip	28741-8763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	FLAT MOUNTAIN
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2039
Census Tract	970501

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	Individual Name on Record
Mailing Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU
Apr 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Feb 16, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Feb 16, 2021 · Amount on Record
Deed Document Number	20232184
Deed Book / Page	42 / 1807
Prior Transfer Date	Dec 10, 2005
Prior Transfer Doc	00W29/0873
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00U42/1599
Date	Oct 26, 2023
Book Page	U-42/1599
Instrument	2023006733

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00P42/2225
Date	Jul 18, 2023
Book Page	P-42/2225
Instrument	2023004294

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E40/1933
Date	Sep 15, 2020
Book Page	E-40/1933
Instrument	2020006682

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 17, 2023
Property Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Document Number	00L42/1807
Book / Page	L-42 / 1807
Map Reference	CARD 5210
Instrument Date	Apr 11, 2023
Instrument	2023002184
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 RIDGE LN, HIGHLANDS, NC 28741-7084

Mortgage

Document Number	00L42/1810
Date	Apr 17, 2023
Book Page	L-42/1810
Instrument	2023002185

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Feb 16, 2021
Property Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763
Document Number	000Q40/806
Book / Page	Q-40 / 806
Map Reference	CARD 5210
Instrument Date	Feb 16, 2021
Instrument	2021001426
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Tax	$2,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8763

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		$1,602,620 (+0.44%) Land $385,750 Building $1,216,870	$1,602,620 (+0.44%) Land $385,750 Building $1,216,870
2025	$4,753.00 (+2.97%)	$1,595,520 (-) Land $385,750 Building $1,209,770	$1,595,520 (-) Land $385,750 Building $1,209,770
2023	$4,616.00	$1,595,520 Land $385,750 Building $1,209,770	$1,595,520 Land $385,750 Building $1,209,770

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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