Macon County property record for 490 Scratch Branch Rd, Otto, NC 28763
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1975 |
| Lot Size | 8.66 acres (377,230 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jan 2003) |
| Tax Bill | $1,435 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6489377307 |
| Primary APN | 6489377307 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Heated Area |
| 1st Floor Area | 1,120 sqft |
| Upper Floors Area | 504 sqft |
| Attic | Attic |
| Attic Area | 504 sqft |
| Basement Area | 1,120 sqft |
| Finished Basement | 1,120 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 377,230 sqft (8.66 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 216 sqft |
| Patio Area | 216 sqft |
| Utility Building | 192 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 91947 |
|---|---|
| Street Address | 490 SCRATCH BRANCH RD |
| City | OTTO |
| State | NC |
| Zip | 28763-9423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | ROAD 1107 |
| Jurisdiction | MACON NC |
| Township / Civil Division | SMITHBRIDGE |
| Census Block Group | 5 |
| Census Block | 5028 |
| Census Tract | 970700 |
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 | 490 SCRATCH BRANCH RD, OTTO, NC 28763-9423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2003 · Amount on Record |
| Deed Sale | Jan 10, 2003 · Amount on Record |
| Deed Book / Page | 26 / 565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 490 SCRATCH BRANCH RD, OTTO, NC 28763-9423 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | H38/1904 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | H-38/1904 |
| Instrument | 2017008326 |
| Name | ENTEGRA BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2033 |
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,435.00 | $388,170 (+0.78%) Land $104,780 Building $283,390 | $388,170 (+0.78%) Land $104,780 Building $283,390 |
| 2025 | $1,435.00 (+0.84%) | ||
| 2023 | $1,423.00 | $385,170 Land $104,780 Building $280,390 | $385,170 Land $104,780 Building $280,390 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 | Moderate above 55% of the US · above 77% 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE only, no 5G reported
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