497 Davis Rd, Otto, NC 28763 Property Records

Macon County property record for 497 Davis Rd, Otto, NC 28763

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,261 sqft · built 2005
Lot Size	3.65 acres (158,994 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Dec 2018)
Tax Bill	$1,173 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6488455304`

Property Details

APN / Parcel Number

Primary APN	`6488455304`
Alternative APNs	`0711946` `143844`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,261 sqft Heated Area
1st Floor Area	841 sqft
Upper Floors Area	420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	158,994 sqft (3.65 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	168 sqft
Deck Area	92 sqft
Patio Area	92 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	143844
Street Address	497 DAVIS RD
City	OTTO
State	NC
Zip	28763-0168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 30 SWISS VILLAGE SUBD OFF RD 1102
Legal Subdivision	SWISS VILLAGE SUBD
Legal Lot Number	30
Jurisdiction	MACON NC
Township / Civil Division	SMITHBRIDGE
Census Block Group	5
Census Block	5029
Census Tract	970700

Owner

497 Davis Rd is owned and occupied by an individual who bought it in December 2018.

Source: Macon County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	497 DAVIS RD, OTTO, NC 28763-0168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Dec 31, 2018	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on File
Deed Sale	Dec 31, 2018 · Amount on File
Prior Sale	Jun 16, 2008 · Amount on File
Deed Document Number	20188863
Deed Book / Page	38 / 520
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	497 DAVIS RD, OTTO, NC 28763-0168
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000W40/164
Date	Apr 28, 2021
Book Page	W-40/164
Instrument	2021004097

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Dec 31, 2018
Property Address	497 DAVIS RD, OTTO, NC 28763-0168
Document Number	00Z38/0520
Book / Page	Z-38 / 0520
Map Reference	MB 3 PG 130
Instrument Date	Dec 21, 2018
Instrument	2018008863
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11011 CAL RD APT 58, 58, BATON ROUGE, LA 70809-2871

Mortgage

Document Number	2018008864
Date	Dec 31, 2018
Instrument	2018008864

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 497 Davis Rd was $1,173.

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	$1,173.00	$310,790 Land $94,390 Building $216,400	$310,790 Land $94,390 Building $216,400
2025	$1,173.00
2023	$1,161.00	$310,790 Land $94,390 Building $216,400	$310,790 Land $94,390 Building $216,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 497 Davis Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 497 Davis Rd is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · above 82% of North Carolina
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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