Macon County property record for 3951 Flat Mountain Rd, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,360 sqft |
| Lot Size | 12.4 acres (542,758 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $543 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7531355180 |
| Primary APN | 7531355180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,360 sqft Heated Area |
| 1st Floor Area | 1,360 sqft |
| Architectural Style | Conventional |
|---|---|
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 542,758 sqft (12.4 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Utility Building | 120 sqft |
| Account Number | 150541 |
|---|---|
| Street Address | 3951 FLAT MOUNTAIN RD |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-8777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 2 3 & VACANT LOT BRUSH CREEK RD- COMBINATION PLAT BOOK 5 PLAT CARD 11681 |
| Legal Subdivision | BRUSH CREEK RD |
| Legal Lot Number | 1 |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 970501 |
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 | 3951 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8777 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Sep 17, 2026 |
| Property Address | 3951 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8777 |
| Document Number | 0000005900 |
| Book / Page | 44 / 1518 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 20265900 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 3951 FLAT MOUNTAIN RD, HIGHLANDS, NC 28741-8777 |
| Document Number | 0000005900, |
|---|---|
| Date | Sep 17, 2026 |
| Book Page | 44/1518 |
| Instrument | 20265900 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $543.00 (-68.28%) | $141,549 (-73.9%) | $550,950 (+1.6%) Land $502,630 Building $48,320 |
| 2025 | $1,712.00 (+0.71%) | ||
| 2023 | $1,700.00 | $542,250 Land $502,630 Building $39,620 | $542,250 Land $502,630 Building $39,620 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 77% 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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