Macon County property record for 644 Painted Turtle Ln, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,688 sqft · built 2001 |
| Lot Size | 5.02 acres (218,671 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,029 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7520157761 |
| Primary APN | 7520157761 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,688 sqft Heated Area |
| 1st Floor Area | 1,408,001 sqft |
| Upper Floors Area | 1,280 sqft |
| Basement Area | 1,024 sqft |
| Unfinished Basement | 1,024 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 218,671 sqft (5.02 acres) |
| Terrain | Rolling |
| Deck Area | 24 sqft |
| Patio Area | 703 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 50829 |
|---|---|
| Street Address | 644 PAINTED TURTLE LN |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741-4500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | OFF 1620 |
| Legal Subdivision | MORGAN |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 970600 |
644 Painted Turtle Ln is owned and occupied by an individual.
Source: Macon County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 644 PAINTED TURTLE LN, HIGHLANDS, NC 28741-4500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 27, 2023 | Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY |
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 644 PAINTED TURTLE LN, HIGHLANDS, NC 28741-4500 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 644 PAINTED TURTLE LN, HIGHLANDS, NC 28741-4500 |
| Document Number | 00U42/1954 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | U-42/1954 |
| Instrument | 2023006793 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 27, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 644 PAINTED TURTLE LN, HIGHLANDS, NC 28741-4500 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | N40/2485 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | N-40/2485 |
| Instrument | 2021000297 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 644 Painted Turtle Ln was $3,029, up 3.4% from the year before.
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,029.00 (+3.41%) | $971,830 Land $235,300 Building $736,530 | $971,830 Land $235,300 Building $736,530 |
| 2025 | $2,929.00 | ||
| 2023 | $2,917.00 | $971,830 Land $235,300 Building $736,530 | $971,830 Land $235,300 Building $736,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 644 Painted Turtle Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2004.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2004–2021) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Mar 2021 · river or lake flooding |
| 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.
Wildfire risk around 644 Painted Turtle Ln is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% 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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
No cell data coverage reported
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