48 Thunder Valley Rd, Otto, NC 28763 Property Records

Macon County property record for 48 Thunder Valley Rd, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 948 sqft · built 1974
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jan 2021)
Tax Bill	$768 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6580234279`

Property Details

APN / Parcel Number

Primary APN	`6580234279`
Alternative APN	`110476`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	948 sqft Heated Area
1st Floor Area	948 sqft
Basement Area	900 sqft
Utility Area	144 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Terrain	Rolling
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	Deck Area
Patio Area	288 sqft
Utility Building	360 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	110476
Street Address	48 THUNDER VALLEY RD
City	OTTO
State	NC
Zip	28763-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OFF RD 1112
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	4
Census Block	4043
Census Tract	970700

Owner

Source: Macon County records, as of October 6, 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 Record
Mailing Address	48 THUNDER VALLEY RD, OTTO, NC 28763-8801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 9, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jan 7, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Deed Document Number	2021107
Deed Book / Page	40 / 1580
Prior Transfer Date	Jan 6, 2020
Prior Transfer Doc	00N40/1580
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	48 THUNDER VALLEY RD, OTTO, NC 28763-8801
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R41/1603
Date	Mar 9, 2022
Book Page	R-41/1603
Instrument	2022001860

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	48 THUNDER VALLEY RD, OTTO, NC 28763-8801
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R41/1619
Date	Mar 9, 2022
Book Page	R-41/1619
Instrument	2022001861

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	FRANKLIN, NC 28744

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 7, 2021
Property Address	48 THUNDER VALLEY RD, OTTO, NC 28763-8801
Document Number	00N40/1580
Book / Page	N-40 / 1580
Instrument Date	Jan 6, 2020
Instrument	2021000107
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 THUNDER VALLEY RD, OTTO, NC 28763-8801

Mortgage

Document Number	2021000108
Date	Jan 7, 2021
Instrument	2021000108

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

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	Tax Bill	Assessed Value	Assessed Market Value
2026	$768.00	$191,330 (+9.38%) Land $25,040 Building $166,290	$191,330 (+9.38%) Land $25,040 Building $166,290
2025	$768.00 (+14.8%)	$174,930 (+8.54%) Land $25,040 Building $149,890	$174,930 (+8.54%) Land $25,040 Building $149,890
2023	$669.00	$161,160 Land $25,040 Building $136,120	$161,160 Land $25,040 Building $136,120

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 Record 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 52% of the US · above 74% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10
Frontier DSL	10 / 1

Cell Coverage

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

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