515 Cullasaja Dr, Highlands, NC 28741 Property Records

Macon County property record for 515 Cullasaja Dr, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,588 sqft · built 1939
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Last Sale	$620,000 (Jul 2020)
Tax Bill	$5,961 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7540141015`

Property Details

APN / Parcel Number

Primary APN	`7540141015`
Alternative APNs	`0500911` `147229`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,588 sqft Heated Area
1st Floor Area	646 sqft
Upper Floors Area	460 sqft
Basement Area	311 sqft
Unfinished Basement	311 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Logs
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	34,848 sqft (0.8 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	256 sqft
Deck Area	112 sqft
Patio Area	626 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	147229
Street Address	515 CULLASAJA DR
City	HIGHLANDS
State	NC
Zip	28741-8224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR2
Legal Description	CULLASAJA DRIVE MIRROR LAKE
Legal Subdivision	MIRROR LAKE
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1023
Census Tract	970501

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	23 BRACKLIN CT, SAINT SIMONS ISLAND, GA 31522-5573
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL CITY HOME LOANS LLC
Jul 27, 2020	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2020 · Amount on Record
Deed Sale	Jul 27, 2020 · Amount on Record
Prior Sale	Jan 7, 2010 · Amount on Record
Deed Document Number	20205121
Deed Book / Page	40 / 1444
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	515 CULLASAJA DR, HIGHLANDS, NC 28741-8224
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000E44/443
Date	Jan 12, 2026
Book Page	E-44/443
Instrument	2026000175

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	50 CHASTAIN CENTER BLVD NW, KENNESAW, GA 30144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2051

Interest

Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jul 27, 2020
Property Address	515 CULLASAJA DR, HIGHLANDS, NC 28741-8224
Document Number	00B40/1444
Book / Page	B-40 / 1444
Instrument Date	Jul 27, 2020
Instrument	2020005121
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 STONELEIGH PARK, 28, WESTFIELD, NJ 07090-3367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BRACKLIN CT, SAINT SIMONS ISLAND, GA 31522-5573

Mortgage

Document Number	2020005122
Date	Jul 27, 2020
Instrument	2020005122

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Macon County
Municipality	Highlands Town
Unified School District	Macon County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,961.00 (+9.84%)	$1,325,620 (+20.34%) Land $250,000 Building $1,075,620	$1,325,620 (+20.34%) Land $250,000 Building $1,075,620
2025	$5,427.00 (+65.56%)
2023	$3,278.00	$1,101,540 Land $250,000 Building $851,540	$1,101,540 Land $250,000 Building $851,540

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
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	Hurricane Ivan, Sep 2004 · 2 claims

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	Low lower than 67% of the US · above 43% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 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

Cell Coverage

5G (outdoors only) and 4G LTE

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