3819 Flat Mountain Rd, Highlands, NC 28741 Property Records

Macon County property record for 3819 Flat Mountain Rd, Highlands, NC 28741 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 2003
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on File
Last Sale	$1,035,000 (Jul 2026)
Tax Bill	$2,376 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7531346613`

Property Details

APN / Parcel Number

Primary APN	`7531346613`
Alternative APNs	`0503339` `83112`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,944 sqft Heated Area
1st Floor Area	1,296 sqft
Upper Floors Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	95,832 sqft (2.2 acres)
Terrain	Rolling
Porch	Patio
Porch Area	864 sqft
Gazebo	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	83112
Street Address	3819 FLAT MOUNTAIN RD
City	HIGHLANDS
State	NC
Zip	28741-9171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLAT MTN RD
Legal Subdivision	FLAT MTN
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2044
Census Tract	970501

Owner

Source: Macon County records · APN 7531346613

Assessment roll updated September 22, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3553 VICTORIA RD, MOUNTAIN BRK, AL 35223-1403
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Feb 20, 2026	Deed of Trust, Mortgage · Commercial Mortgage RONNIE & MICHELLE HAIGLER
Nov 24, 2025	Warranty Deed, Transfer 890 CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Prior Sale	Nov 24, 2025 · Amount on Record
Deed Document Number	20264702
Deed Book / Page	N- / 44.2202
Prior Transfer Date	Mar 20, 2009
Prior Transfer Doc	00F33/1876
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jul 24, 2026
Property Address	3819 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-9171
Document Number	0000004702
Book / Page	N- / 44.2202
Instrument Date	Jul 23, 2026
Instrument	20264702
Transaction Type	Transfer
Record Updated	Aug 03, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$209,070.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3553 VICTORIA RD, MOUNTAIN BRK, AL 35223-1403

Mortgage

Document Number	0000004703,
Date	Jul 24, 2026
Book Page	N-/44.2205
Instrument	20264703

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	3819 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-9171
Transaction Type	Mortgage
Record Updated	Mar 04, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9824 THORNRIDGE DR, INDIAN TRAIL, NC 28079-6536

Mortgage

Document Number	00F44/2417
Date	Feb 20, 2026
Book Page	F-44/2417
Instrument	2026001069

Lender

Name	RONNIE & MICHELLE HAIGLER
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 01, 2027

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 24, 2025
Property Address	3819 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-9171
Document Number	00B44/2033
Book / Page	B-44 / 2033
Instrument Date	Nov 21, 2025
Instrument	2025007224
Transaction Type	Transfer
Record Updated	Dec 04, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$824.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 FORSYTH ST SW, ATLANTA, GA 30303-3490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9824 THORNRIDGE DR, INDIAN TRAIL, NC 28079-6536

Mortgage

Document Number	2025007225
Date	Nov 24, 2025
Instrument	2025007225

Lender

Name	890 CAPITAL LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	6 Months
Due	May 24, 2026

Tax Assessment & Valuation

Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$780,490 (+0.13%) Land $208,130 Building $572,360	$780,490 (+0.13%) Land $208,130 Building $572,360
2025	$2,376.00 (+0.51%)	$779,490 (-) Land $208,130 Building $571,360	$779,490 (-) Land $208,130 Building $571,360
2023	$2,364.00	$779,490 Land $208,130 Building $571,360	$779,490 Land $208,130 Building $571,360

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Macon County (37113C), updated November 8, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371139705012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 885 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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