474 Cotswold Way, Highlands, NC 28741 Property Records

Macon County property record for 474 Cotswold Way, Highlands, NC 28741 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,223 sqft
Lot Size	1.67 acres (72,745 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (May 2020)
Tax Bill	$4,510 (2025)
Deeds & Mortgages	Sep 2020 Construction Loan Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7531605050`

Property Details

APN / Parcel Number

Primary APN	`7531605050`
Alternative APNs	`0538217` `146725`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,223 sqft Heated Area
1st Floor Area	2,223 sqft
Utility Area	84 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	72,745 sqft (1.67 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Patio
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	146725
Street Address	474 COTSWOLD WAY
City	HIGHLANDS
State	NC
Zip	28741-8486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 THE COTSWOLDS SUBD
Legal Subdivision	COTSWOLDS
Legal Lot Number	4
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2058
Census Tract	970501

Owner

Source: Macon County records · APN 7531605050

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	474 COTSWOLD WAY, HIGHLANDS, NC 28741-8486
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 02, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 13, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Prior Sale	Dec 04, 2007 · Amount on Record
Deed Document Number	20203025
Deed Book / Page	39 / 545
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	474 COTSWOLD WAY, HIGHLANDS, NC 28741-8486
Transaction Type	Mortgage
Record Updated	Nov 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000F40/661
Date	Sep 22, 2020
Book Page	F-40/661
Instrument	2020006927

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Oct 01, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.99%
Index	1-Year LIBOR
Max Rate	7.99%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	474 COTSWOLD WAY, HIGHLANDS, NC 28741-8486
Transaction Type	Mortgage
Record Updated	Nov 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00P41/1102
Date	Feb 02, 2022
Book Page	P-41/1102
Instrument	2022000851

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Mar 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7%
Index	Other
Max Rate	7%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	May 13, 2020
Property Address	474 COTSWOLD WAY, HIGHLANDS, NC 28741-8486
Document Number	000X39/545
Book / Page	X-39 / 545
Map Reference	CARD 10834
Instrument Date	May 13, 2020
Instrument	2020003025
Transaction Type	Transfer
Record Updated	Nov 08, 2022

Transaction

Amount	Amount Recorded
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4278, NEW ORLEANS, LA 70178-4278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 WILD TURKEY HOLW, CLARKESVILLE, GA 30523-3072

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
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		$1,518,640 (+15.7%) Land $250,000 Building $1,268,640	$1,518,640 (+15.7%) Land $250,000 Building $1,268,640
2025	$4,510.00 (+1.65%)
2023	$4,437.00	$1,312,540 Land $250,000 Building $1,062,540	$1,312,540 Land $250,000 Building $1,062,540

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 371139705012, 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 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 72% of North Carolina
Wildfire Likelihood	About 1 in 1,020 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 40 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Vyve Broadband	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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