68 Spruce Ln, Highlands, NC 28741 Property Records

Macon County property record for 68 Spruce Ln, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,496 sqft · built 2016
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Last Sale	$1,775,000 (Jan 2020)
Deeds & Mortgages	Apr 2017 Mortgage Jan 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7540961730`

Property Details

APN / Parcel Number

Primary APN	`7540961730`
Alternative APNs	`0501620` `138145`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,496 sqft Heated Area
1st Floor Area	3,246 sqft
Upper Floors Area	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	649 sqft
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	138145
Street Address	68 SPRUCE LN
City	HIGHLANDS
State	NC
Zip	28741-7174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	ADJ 19B BLK K HLDS FALLS CO CLUB
Legal Subdivision	HIGHLANDS FALLS COUNTRY CLUB
Legal Tract	A
Legal Block	K
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1034
Census Tract	970502

Owner

Source: Macon County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	68 SPRUCE LN, HIGHLANDS, NC 28741-7174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2017	Deed of Trust, Mortgage · ARM RABUN COUNTY BANK
Jan 14, 2020	Warranty Deed, Transfer
Nov 30, 2018	Intrafamily Transfer, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2020 · Amount on Record
Deed Sale	Jan 14, 2020 · Amount on Record
Prior Sale	Nov 17, 2014 · Amount on Record
Deed Document Number	2020260
Deed Book / Page	39 / 947
Prior Transfer Date	Nov 27, 2018
Prior Transfer Doc	Y38/0075
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	68 SPRUCE LN, HIGHLANDS, NC 28741-7174
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	X37/1101
Date	Apr 26, 2017
Book Page	X-37/1101

Lender

Name	RABUN COUNTY BANK
Type	Bank
Address	CLAYTON, GA 30525

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 14, 2020
Property Address	68 SPRUCE LN, HIGHLANDS, NC 28741-7174
Document Number	R39/0947
Book / Page	R-39 / 0947
Map Reference	CARD 10694
Instrument Date	Jan 14, 2020
Instrument	2020000260
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Tax	$3,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 S MCGREGOR AVE, MOBILE, AL 36608-1863

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Nov 30, 2018
Property Address	68 SPRUCE LN, HIGHLANDS, NC 28741-7174
Document Number	Y38/0075
Book / Page	Y-38 / 0075
Map Reference	CAB 1 SL 225 PG 6
Instrument Date	Nov 27, 2018
Instrument	2018008223
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 SPRUCE LN, HIGHLANDS, NC 28741-7174

Mortgage

Document Number	2018008224
Date	Nov 30, 2018
Instrument	2018008224

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Macon County assessment roll, as of September 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$2,496,460 (-) Land $200,000 Building $2,296,460	$2,496,460 (-) Land $200,000 Building $2,296,460
2025	$2,496,460 (+3.22%) Land $200,000 Building $2,296,460	$2,496,460 (+3.22%) Land $200,000 Building $2,296,460
2023	$2,418,660 Land $200,000 Building $2,218,660	$2,418,660 Land $200,000 Building $2,218,660

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
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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	2 (2013–2024)
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 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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	HIGHLANDS FALLS COUNTRY CLUB private · serves 650 people · EPA ID NC0157123
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	10 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2024 Lead public education Dec 2023
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50

May also be available: Frontier, Hotwire Communications, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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