440 Main St, Highlands, NC 28741 Property Records

Macon County property record for 440 Main St, Highlands, NC 28741

Property Summary

Property Type	Restaurant
Details	6,068 sqft · built 1940
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$1,500,000 (Feb 2011)
Tax Bill	$11,317 (2023)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7540405604`

Property Details

APN / Parcel Number

Primary APN	`7540405604`
Alternative APNs	`0504076` `122229`

Interior

Stories	2 Stories
Building Area	6,068 sqft Heated Area
1st Floor Area	2,640 sqft
Basement Area	2,640 sqft
Unfinished Basement	2,640 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	5,227 sqft (0.12 acres)
Terrain	Rolling
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	122229
Street Address	440 MAIN ST
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	HB1
Legal Description	RESTURANTE PAOLETTI
Legal Subdivision	NORTH SIDE OF MAIN STREET
Legal Lot Number	309
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1060
Census Tract	970501

Owner

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	Company Name on Record
Mailing Address	PO BOX 189, HIGHLANDS, NC 28741-0189
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2011 · Amount on Record
Deed Sale	Feb 10, 2011 · Amount on Record
Deed Document Number	20111006
Deed Book / Page	34 / 30
Prior Transfer Date	Feb 4, 2011
Prior Transfer Doc	00E34/0033
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	440 MAIN ST, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 MAIN ST, HIGHLANDS, NC 28741

Mortgage

Document Number	00U42/1930
Date	Oct 27, 2023
Book Page	U-42/1930
Instrument	2023006791

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 27, 2043

Interest

Rate Type	Adjustable Rate

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	440 MAIN ST, HIGHLANDS, NC 28741
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 MAIN ST, HIGHLANDS, NC 28741

Mortgage

Document Number	00U42/1986
Date	Oct 27, 2023
Book Page	U-42/1986
Instrument	2023006795

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Oct 27, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,837,020 (-) Land $1,136,320 Building $1,700,700	$2,837,020 (-) Land $1,136,320 Building $1,700,700
2025		$2,837,020 (-) Land $1,136,320 Building $1,700,700	$2,837,020 (-) Land $1,136,320 Building $1,700,700
2023	$11,317.00	$2,837,020 Land $1,136,320 Building $1,700,700	$2,837,020 Land $1,136,320 Building $1,700,700

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2003–2004)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2004 · Hurricane Ivan
Claims by Event	Hurricane Ivan, Sep 2004 · 2 claims

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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF HIGHLANDS serves 6,614 people · EPA ID NC0157015
Water Source	Surface water
Last State Inspection	May 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2023
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 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: Frontier, Hotwire Communications, Verizon.

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