Macon County property record for 46 Oak St, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 646 sqft · built 2005 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,411 (2026) |
| Deeds & Mortgages | Nov 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 7540223464 |
| Primary APN | 7540223464 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 646 sqft Heated Area |
| 1st Floor Area | 646 sqft |
| Basement Area | 646 sqft |
| Finished Basement | 646 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 6,098 sqft (0.14 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 156457 |
|---|---|
| Street Address | 46 OAK ST |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR2 |
| Legal Description | OAK ST |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 970501 |
46 Oak St is held in a trust since November 2023.
Source: Macon County records, as of October 6, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 1855, HIGHLANDS, NC 28741-1855 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 17, 2023 |
| Transfer Doc | 0000W42/94 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Nov 17, 2023 |
| Property Address | 46 OAK ST, HIGHLANDS, NC 28741 |
| Document Number | 0000W42/94 |
| Book / Page | W-42 / 94 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 2023007391 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | PO BOX 1855, HIGHLANDS, NC 28741-1855 |
The 2026 property tax bill for 46 Oak St was $3,411, up 9.9% from the year before.
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Municipality | Highlands Town |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,411.00 (+9.93%) | $762,570 (-) Land $264,600 Building $497,970 | $762,570 (-) Land $264,600 Building $497,970 |
| 2025 | $3,103.00 | $762,570 Land $264,600 Building $497,970 | $762,570 Land $264,600 Building $497,970 |
| 2023 | $3,091.00 | $762,570 Land $264,600 Building $497,970 | $762,570 Land $264,600 Building $497,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Oak St 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 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 |
|
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 risk around 46 Oak St is low, with a 0.04% annual chance of 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 | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Hotwire Communications Fiber | 2,500 / 2,500 |
| Vyve Broadband Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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