55 4 1/2 St, Highlands, NC 28741 Property Records

Macon County property record for 55 4 1/2 St, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	8 bd · 10.5 ba · 5,304 sqft · built 1910
Lot Size	0.6 acres (26,136 sqft)
Owner	Company Name on File
Tax Bill	$11,638 (2026)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7540521501`

Property Details

APN / Parcel Number

Primary APN	`7540521501`
Alternative APN	`138999`

Interior

Bedrooms	8 Beds
Full Baths	10.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	5,304 sqft Heated Area
1st Floor Area	2,504 sqft
Upper Floors Area	2,400 sqft
Attic	Attic
Attic Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	26,136 sqft (0.6 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	1,372 sqft
Deck Area	400 sqft
Patio Area	664 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	138999
Street Address	55 4 1/2 ST
City	HIGHLANDS
State	NC
Zip	28741-8499
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR2
Legal Description	FAIRVIEW ESTATE
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1019
Census Tract	970501

Historic Designation

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.

Owner

55 4 1/2 St, a single family home, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	377 ROMINGER RD, BANNER ELK, NC 28604-8313
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	55 4 1/2 ST, HIGHLANDS, NC 28741-8499
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	I39/0941
Date	Jul 30, 2019
Book Page	I-39/0941
Instrument	2019004831

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.6%
Index	1-Year LIBOR
Max Rate	8.6%

Tax Assessment & Valuation

The 2026 property tax bill for 55 4 1/2 St was $11,638, up 10.2% from the year before.

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	$11,638.00 (+10.18%)	$2,668,810 Land $672,000 Building $1,996,810	$2,668,810 Land $672,000 Building $1,996,810
2025	$10,563.00
2023	$10,626.00	$2,688,010 Land $672,000 Building $2,016,010	$2,688,010 Land $672,000 Building $2,016,010

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

Flood

FEMA maps place 55 4 1/2 St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 55 4 1/2 St is low, with a 0.04% annual chance of wildfire.

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.

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 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