40 Upper Cottage Ln, Highlands, NC 28741 Property Records

Jackson County property record for 40 Upper Cottage Ln, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 3,038 sqft · built 2005
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$1,965,000 (Oct 2023)
Tax Bill	$8,224 (2025)
Deeds & Mortgages	Oct 2023 Sale Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7551-59-3017`

Property Details

APN / Parcel Number

Primary APN	`7551-59-3017`
Alternative APN	`171550`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,038 sqft Heated Area
1st Floor Area	1,713 sqft
Basement Area	1,325 sqft
Finished Basement	1,325 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Wood Truss
Roof Material	Wood Shingle
Lot Area	3,485 sqft (0.08 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	521 sqft
Deck Area	52 sqft
Patio Area	106 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	40 UPPER COTTAGE LN
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 A,B THE COTTAGES
Legal Subdivision	COTTAGES AT HIGHLANDS COVE
Legal Lot Number	6
Jurisdiction	JACKSON NC
Township / Civil Division	HAMBURG
Census Block Group	2
Census Block	2094
Census Tract	950800

Owner

40 Upper Cottage Ln is owned by two individuals who bought it in October 2023.

Source: Jackson County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 LONG BROW RD, HILTON HEAD ISLAND, SC 29928-3313
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
Oct 3, 2023	Warranty Deed, Transfer
Sep 9, 2019	Deed of Trust, Mortgage · ARM REGIONS BANK
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2023 · Amount on File
Deed Sale	Oct 3, 2023 · Amount on File
Prior Sale	Jul 17, 2012 · Amount on File
Deed Book / Page	2364 / 1110
Prior Transfer Date	Jun 27, 2013
Prior Transfer Doc	0019960772
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Oct 3, 2023
Property Address	40 UPPER COTTAGE LN, HIGHLANDS, NC 28741
Document Number	0023641110
Book / Page	2364 / 1110
Map Reference	CAB 17 PG 972
Instrument Date	Oct 2, 2023
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount on Record
Tax	$3,930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 LONG BROW RD, HILTON HEAD, SC 29928-3313

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 UPPER COTTAGE LN, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022470001
Date	Sep 9, 2019
Book Page	2247/1

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Oct 1, 2029
Index	Other

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	40 UPPER COTTAGE LN, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022780062
Date	Sep 28, 2020
Book Page	2278/62

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 40 Upper Cottage Ln was $8,224.

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,164,281 (-) Land $200,000 Building $1,964,281
2025	$8,224.00	$2,164,281 Land $200,000 Building $1,964,281
2023	$4,481.00	$1,179,330 Land $200,000 Building $979,330

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 40 Upper Cottage Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2013–2024)
Claims Outside the SFHA	2 of 3
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

Wildfire risk around 40 Upper Cottage Ln is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BalsamWest FiberNET Fiber	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Frontier, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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