Macon County property record for 486 Chestnut St, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,570 sqft · built 2004 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $7,198 (2026) |
| Deeds & Mortgages | Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7540428368 |
| Primary APN | 7540428368 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,570 sqft Heated Area |
| 1st Floor Area | 1,570 sqft |
| Upper Floors Area | 1,364 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 55 sqft |
| Deck Area | 398 sqft |
| Patio Area | 398 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 42948 |
|---|---|
| Street Address | 486 CHESTNUT ST |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR2 |
| Legal Description | CHESTNUT ST |
| Legal Subdivision | CHESTNUT ST |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 970501 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Highlands North Historic District listed 2011 · 27 contributing resources · NRIS 11000482 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Trust Name on Record |
|---|---|
| Mailing Address | PO BOX 1062, HIGHLANDS, NC 28741-1062 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 6, 2008 |
| Transfer Doc | 00M32/1740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 486 CHESTNUT ST, HIGHLANDS, NC 28741 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 00C39/1063 |
|---|---|
| Date | Mar 19, 2019 |
| Book Page | C-39/1063 |
| Instrument | 2019001610 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,198.00 | $1,612,350 (-) Land $499,200 Building $1,113,150 | $1,612,350 (-) Land $499,200 Building $1,113,150 |
| 2025 | $1,612,350 (-) Land $499,200 Building $1,113,150 | $1,612,350 (-) Land $499,200 Building $1,113,150 | |
| 2023 | $6,525.00 | $1,612,350 Land $499,200 Building $1,113,150 | $1,612,350 Land $499,200 Building $1,113,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 119 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 |
| Verizon Fixed Wireless | 300 / 20 |
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