649 Flat Mountain Estates Rd, Highlands, NC 28741 Property Records

Macon County property record for 649 Flat Mountain Estates Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft
Lot Size	1.6 acres (69,696 sqft)
Owner	Company Name on Record
Last Sale	$575,000 (May 2007)
Tax Bill	$2,216 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7531802139`

Property Details

APN / Parcel Number

Primary APN	`7531802139`
Alternative APNs	`0501824` `145917` `154540`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,128 sqft Heated Area
1st Floor Area	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Terrain	Rolling
Porch	Patio
Deck Area	60 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	154540
Street Address	649 FLAT MOUNTAIN ESTATES RD
City	HIGHLANDS
State	NC
Zip	28741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 3 SUB E FLAT TOP MTN
Legal Subdivision	FLAT TOP MOUNTAIN
Legal Lot Number	3
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2058
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	Company Name on Record
Mailing Address	15 LAKE ST, 210, SAVANNAH, GA 31411-2978
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Nov 13, 2020	Deed of Trust, Mortgage · Commercial Mortgage JOEL B ZUCKERMAN
Mar 6, 2023	Deed, Transfer
Jan 23, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2007 · Amount on Record
Deed Sale	May 14, 2007 · Amount on Record
Deed Document Number	20072454
Deed Book / Page	31 / 2133
Last Transfer Date	Dec 22, 2017
Transfer Doc	00J38/2119
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	649 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8788
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00Q41/1532
Date	Feb 21, 2022
Book Page	Q-41/1532
Instrument	2022001354

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	649 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8788
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 SCHLEY AVE, SAVANNAH, GA 31419-3330

Mortgage

Document Number	000J40/687
Date	Nov 13, 2020
Book Page	J-40/687
Instrument	2020008873

Lender

Name	JOEL B ZUCKERMAN
Type	Private Party
Address	7 NORMANS WAY, PARK CITY, UT 84060

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Oct 4, 2021

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MACON NC
Recording Date	Mar 6, 2023
Property Address	649 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8788
Document Number	000K42/397
Book / Page	K-42 / 397
Map Reference	MB 4 CARD 6382
Instrument Date	Mar 2, 2023
Instrument	2023001308
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LAKE ST STE 210, 210, SAVANNAH, GA 31411-2978

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Jan 23, 2018
Property Address	649 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8788
Document Number	00J38/2119
Book / Page	J-38 / 2119
Map Reference	MB 4 PG 6382
Instrument Date	Dec 22, 2017
Instrument	2018000508
Transaction Type	Transfer
Record Updated	Sep 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 EAGER RD, VALDOSTA, GA 31602-1388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 EAGER RD, VALDOSTA, GA 31602-1388

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,216.00	$700,200 (-) Land $257,440 Building $442,760	$700,200 (-) Land $257,440 Building $442,760
2025		$700,200 (-) Land $257,440 Building $442,760	$700,200 (-) Land $257,440 Building $442,760
2023	$2,132.00	$700,200 Land $257,440 Building $442,760	$700,200 Land $257,440 Building $442,760

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Hotwire Communications.

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