41 Dowling Dr, Otto, NC 28763 Property Records

Macon County property record for 41 Dowling Dr, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 1982
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Nov 2010)
Tax Bill	$994 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6580155654`

Property Details

APN / Parcel Number

Primary APN	`6580155654`
Alternative APNs	`0702179` `121436`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,080 sqft Heated Area
1st Floor Area	1,040 sqft
Upper Floors Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Lot Area	47,916 sqft (1.1 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	728 sqft
Deck Area	80 sqft
Patio Area	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	121436
Street Address	41 DOWLING DR
City	OTTO
State	NC
Zip	28763-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	COWEETA
Legal Subdivision	COWEETA
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	4
Census Block	4042
Census Tract	970700

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	41 DOWLING DR, OTTO, NC 28763-9254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2010 · Amount on Record
Deed Sale	Nov 9, 2010 · Amount on Record
Deed Document Number	20107640
Deed Book / Page	33 / 1864
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	41 DOWLING DR, OTTO, NC 28763-9254
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00S38/0721
Date	Jul 27, 2018
Book Page	S-38/0721
Instrument	2018005083

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 11, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	41 DOWLING DR, OTTO, NC 28763-9254
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000R40/277
Date	Feb 26, 2021
Book Page	R-40/277
Instrument	2021001802

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$257,870 (-) Land $27,470 Building $230,400	$257,870 (-) Land $27,470 Building $230,400
2025	$994.00 (+1.22%)
2023	$982.00	$257,870 Land $27,470 Building $230,400	$257,870 Land $27,470 Building $230,400

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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (2009–2015)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Dec 2015 · river or lake flooding

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 54% of the US · above 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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