Jackson County property record for 538 Lost Trl, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,542 sqft · built 1994 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,125,000 (Oct 2023) |
| Tax Bill | $4,755 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 7550-46-9951 |
| Primary APN | 7550-46-9951 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,542 sqft Heated Area |
| 1st Floor Area | 1,744 sqft |
| Basement Area | 1,798 sqft |
| Finished Basement | 1,798 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Wood Truss |
| Roof Material | Wood Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 448 sqft |
| Deck Area | 260 sqft |
| Patio Area | 530 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 538 LOST TRL |
|---|---|
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-7268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 154 CULLASAJA CLUB |
| Legal Subdivision | CULLASAJA CLUB CONTAINING 1 |
| Legal Lot Number | 154 |
| Jurisdiction | JACKSON NC |
| Township / Civil Division | CASHIERS |
| Census Block Group | 2 |
| Census Block | 2088 |
| Census Tract | 950900 |
Source: Jackson County records, as of October 13, 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 382840, GERMANTOWN, TN 38183-2840 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 9, 2024 | Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK & TRUST COMPANY |
| Oct 12, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2023 · Amount on Record |
| Deed Sale | Oct 12, 2023 · Amount on Record |
| Deed Book / Page | 2365 / 123 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON NC |
| Property Address | 538 LOST TRL, HIGHLANDS, NC 28741-7268 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 382840, GERMANTOWN, TN 38183-2840 |
| Document Number | 0023711786 |
|---|---|
| Date | Feb 9, 2024 |
| Book Page | 2371/1786 |
| Name | COMMERCIAL BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | 510 S MENDENHALL RD, MEMPHIS, TN 38117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2044 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON NC |
| Recording Date | Oct 12, 2023 |
| Property Address | 538 LOST TRL, HIGHLANDS, NC 28741-7268 |
| Document Number | 0023650123 |
| Book / Page | 2365 / 123 |
| Map Reference | CAB 8 SL 77 |
| Instrument Date | Oct 12, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7601 MARTHA DR SE, HUNTSVILLE, AL 35802-2419 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 382840, GERMANTOWN, TN 38183-2840 |
Source: Jackson County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Jackson County |
| Unified School District | Jackson County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,251,506 (+34.26%) Land $150,000 Building $1,101,506 | |
| 2025 | $4,755.00 (+34.25%) | |
| 2023 | $3,542.00 | $932,140 Land $200,000 Building $732,140 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 7 (1994–2024) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| 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 | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BalsamWest FiberNET Fiber | 1,000 / 500 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon, Vyve Broadband.
5G (outdoors only) and 4G LTE
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