Macon County property record for 540 Chestnut St, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,819 sqft · built 2002 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,100,000 (May 2010) |
| Tax Bill | $10,245 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7540521395 |
| Primary APN | 7540521395 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,819 sqft Heated Area |
| 1st Floor Area | 2,543 sqft |
| Upper Floors Area | 1,276 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 31,799 sqft (0.73 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 812 sqft |
| Deck Area | 202 sqft |
| Patio Area | 193 sqft |
| Utility Building | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 161192 |
|---|---|
| Street Address | 540 CHESTNUT ST |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-8493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR2 |
| Legal Description | LOT 321 CHESTNUT STREET |
| Legal Subdivision | CHESTNUT ST |
| Legal Lot Number | 321 |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 1 |
| Census Block | 1019 |
| 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 540 CHESTNUT ST, HIGHLANDS, NC 28741-8493 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 9, 2025 | Intrafamily Transfer, Transfer HARBOR CITY TITLE INSURANCE AGENCY INC, HARBOR CITY TTL INS AGCY OF |
| Nov 2, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2010 · Amount on Record |
| Deed Sale | May 14, 2010 · Amount on Record |
| Prior Sale | Nov 18, 2005 · Amount on Record |
| Deed Document Number | 20103163 |
| Deed Book / Page | 33 / 1383 |
| Last Transfer Date | Sep 26, 2025 |
| Transfer Doc | 00Z43/1136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Oct 9, 2025 |
| Property Address | 540 CHESTNUT ST, HIGHLANDS, NC 28741-8493 |
| Document Number | 00Z43/1136 |
| Book / Page | Z-43 / 1136 |
| Map Reference | CARD 4678 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 2025006154 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | HARBOR CITY TITLE INSURANCE AGENCY INC, HARBOR CITY TTL INS AGCY OF |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 CHESTNUT ST, HIGHLANDS, NC 28741-8493 |
| Name | Verified Name |
|---|---|
| Address | 540 CHESTNUT ST, HIGHLANDS, NC 28741-8493 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Nov 2, 2020 |
| Property Address | 540 CHESTNUT ST, HIGHLANDS, NC 28741-8493 |
| Document Number | I40/1190 |
| Book / Page | I-40 / 1190 |
| Map Reference | MB Y-21 PG 182&183 |
| Instrument Date | May 14, 2020 |
| Instrument | 2020008439 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 540 CHESTNUT ST, HIGHLANDS, NC 28741-8493 |
| Document Number | 2020008440 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 2020008440 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 7.95% |
| Index | 1-Year LIBOR |
| Max Rate | 7.95% |
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 | $10,245.00 (+10.17%) | $2,345,990 (+1.05%) Land $741,680 Building $1,604,310 | $2,345,990 (+1.05%) Land $741,680 Building $1,604,310 |
| 2025 | $9,299.00 (+0.13%) | $2,321,590 (-) Land $741,680 Building $1,579,910 | $2,321,590 (-) Land $741,680 Building $1,579,910 |
| 2023 | $9,287.00 | $2,321,590 Land $741,680 Building $1,579,910 | $2,321,590 Land $741,680 Building $1,579,910 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures