45 Hummel Ln, Otto, NC 28763 Property Records

Macon County property record for 45 Hummel Ln, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 1965
Lot Size	2.95 acres (128,502 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6580382818`

Property Details

APN / Parcel Number

Primary APN	`6580382818`
Alternative APN	`137024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,292 sqft Heated Area
1st Floor Area	1,292 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	128,502 sqft (2.95 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	316 sqft
Deck Area	16 sqft
Patio Area	16 sqft
Utility Building	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	137024
Street Address	45 HUMMEL LN
City	OTTO
State	NC
Zip	28763-9119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RD 1114
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	4
Census Block	4039
Census Tract	970700

Owner

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	45 HUMMEL LN, OTTO, NC 28763-9119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 6, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 8, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	45 HUMMEL LN, OTTO, NC 28763-9119
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HUMMEL LN, OTTO, NC 28763-9119

Mortgage

Document Number	00C44/2243
Date	Dec 16, 2025
Book Page	C-44/2243
Instrument	2025007721

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	45 HUMMEL LN, OTTO, NC 28763-9119
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HUMMEL LN, OTTO, NC 28763-9119

Mortgage

Document Number	00A44/2310
Date	Nov 6, 2025
Book Page	A-44/2310
Instrument	2025006819

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	45 HUMMEL LN, OTTO, NC 28763-9119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	W37/1485
Date	Apr 6, 2017
Book Page	W-37/1485

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	45 HUMMEL LN, OTTO, NC 28763-9119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	J38/0102
Date	Jan 8, 2018
Book Page	J-38/0102
Instrument	2018000090

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	5.62%

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$245,310 (+44.02%) Land $53,850 Building $191,460	$245,310 (+44.02%) Land $53,850 Building $191,460
2023	$170,330 Land $53,850 Building $116,480	$170,330 Land $53,850 Building $116,480

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 File 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 53% of the US · above 75% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Optimum Cable	940 / 35

Cell Coverage

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

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