446 Worley Rd, Highlands, NC 28741 Property Records

Macon County property record for 446 Worley Rd, Highlands, NC 28741 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,741 sqft · built 2000
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on File
Last Sale	$1,688,000 (Nov 2018)
Tax Bill	$9,460 (2023)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7449469870`

Property Details

APN / Parcel Number

Primary APN	`7449469870`
Alternative APNs	`1434591` `143657`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,741 sqft Heated Area
1st Floor Area	2,741 sqft
Basement Area	460 sqft
Finished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	48,352 sqft (1.11 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	565 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	778 sqft
Deck Area	204 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	143657
Street Address	446 WORLEY RD
City	HIGHLANDS
State	NC
Zip	28741-0779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SATULAH VISTA
Legal Subdivision	SATULAH VISTA
Legal Lot Number	4
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1067
Census Tract	970502

Owner

Source: Macon County records · APN 7449469870

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	Individual Name on File
Mailing Address	446 WORLEY RD, HIGHLANDS, NC 28741-0779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Nov 20, 2018	Intrafamily Transfer, Transfer
Nov 20, 2018	Warranty Deed, Transfer · ARM UBS BANK USA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	Mar 14, 2003
Deed Document Number	20188025
Deed Book / Page	38 / 1695
Prior Transfer Date	Nov 15, 2018
Prior Transfer Doc	X38/1691
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	446 WORLEY RD, HIGHLANDS, NC 28741-0779
Transaction Type	Mortgage
Record Updated	Oct 04, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Z39/797
Date	Jun 19, 2020
Book Page	Z-39/797
Instrument	2020003974

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jul 01, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Nov 20, 2018
Property Address	446 WORLEY RD, HIGHLANDS, NC 28741-0779
Document Number	X38/1691
Book / Page	X-38 / 1691
Map Reference	MB P-26 PG 1511&1512
Instrument Date	Nov 15, 2018
Instrument	2018008023
Transaction Type	Transfer
Record Updated	Jun 06, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1904 ESPANOLA DR, ORLANDO, FL 32804-7020

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Nov 20, 2018
Property Address	446 WORLEY RD, HIGHLANDS, NC 28741-0779
Document Number	X38/1695
Book / Page	X-38 / 1695
Instrument Date	Oct 23, 2018
Instrument	2018008025
Transaction Type	Transfer
Record Updated	Oct 04, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,376.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	880 SPRINGDALE RD NE, ATLANTA, GA 30306-4618

Mortgage

Document Number	2018008026
Date	Nov 20, 2018
Instrument	2018008026

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Dec 01, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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
Municipality	Highlands Town
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		$2,390,120 (-) Land $587,410 Building $1,802,710	$2,390,120 (-) Land $587,410 Building $1,802,710
2025		$2,390,120 (-) Land $587,410 Building $1,802,710	$2,390,120 (-) Land $587,410 Building $1,802,710
2023	$9,460.00	$2,390,120 Land $587,410 Building $1,802,710	$2,390,120 Land $587,410 Building $1,802,710

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 371139705021, 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 38 individual NFIP policies nearby
Nearby Flood Policies	38 in force
Nearby Flood Claims	2 (2013–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024, other causes, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	About 1 in 1,111 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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Satulah Mountain Historic District listed 1995 · 48 contributing resources · NRIS 95001155

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Hotwire Communications	Fiber	2,500 / 2,500
Vyve Broadband	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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