45 Cottage Row, Highlands, NC 28741 Property Records

Macon County property record for 45 Cottage Row, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 748 sqft · built 1945
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Oct 2021)
Tax Bill	$1,230 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7540771329`

Property Details

APN / Parcel Number

Primary APN	`7540771329`
Alternative APNs	`0519863` `150846`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	748 sqft Heated Area
1st Floor Area	748 sqft
Basement Area	572 sqft
Finished Basement	572 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	164 sqft
Deck Area	208 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	150846
Street Address	45 COTTAGE ROW
City	HIGHLANDS
State	NC
Zip	28741-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	COTTAGE ROW
Legal Subdivision	COTTAGE ROW
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1031
Census Tract	970502

Owner

45 Cottage Row is owned by an individual who bought it in October 2021.

Source: Macon County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	26 HUMMINGBIRD LN, BRYSON CITY, NC 28713-8802
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Prior Sale	Sep 12, 2008 · Amount on File
Deed Document Number	20219699
Deed Book / Page	41 / 12
Prior Transfer Date	Jan 19, 2011
Prior Transfer Doc	00D34/0814
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Oct 12, 2021
Property Address	45 COTTAGE ROW, HIGHLANDS, NC 28741-7113
Document Number	0000I41/12
Book / Page	I-41 / 12
Map Reference	CARD 101
Instrument Date	Oct 12, 2021
Instrument	2021009699
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 HUMMINGBIRD LN, BRYSON CITY, NC 28713-8802

Mortgage

Document Number	2021009701
Date	Oct 12, 2021
Instrument	2021009701

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 45 Cottage Row was $1,230, up 3.3% from the year before.

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

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	$1,230.00 (+3.27%)	$370,740 (-) Land $50,000 Building $320,740	$370,740 (-) Land $50,000 Building $320,740
2025	$1,191.00	$370,740 Land $50,000 Building $320,740	$370,740 Land $50,000 Building $320,740
2023	$1,179.00	$370,740 Land $50,000 Building $320,740	$370,740 Land $50,000 Building $320,740

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Cottage Row in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	2 (2013–2024)
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.

Wildfire

Wildfire risk around 45 Cottage Row is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 70 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cottage Row

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