692 Lost Trl, Highlands, NC 28741 Property Records

Jackson County property record for 692 Lost Trl, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,021 sqft · built 2021
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Aug 2020)
Tax Bill	$10,413 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan Feb 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7550-57-5277`

Property Details

APN / Parcel Number

Primary APN	`7550-57-5277`
Alternative APN	`78753`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,021 sqft Living Area
1st Floor Area	2,431 sqft
Basement Area	1,590 sqft
Finished Basement	1,590 sqft
Fireplaces	4 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Area	925 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	692 LOST TRL
City	HIGHLANDS
State	NC
Zip	28741-7271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 159 REV CULLASAJA CLUB
Legal Subdivision	CULLASAJA CLUB
Legal Lot Number	159
Jurisdiction	JACKSON NC
Township / Civil Division	CASHIERS
Census Block Group	2
Census Block	2088
Census Tract	950900

Owner

692 Lost Trl is owned by an individual who bought it in August 2020.

Source: Jackson County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	5746 CLARENDON DR, NAPLES, FL 34113-8385
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Feb 3, 2022	Deed of Trust, Mortgage · Construction Mortgage NANTAHALA BANK & TRUST COMPANY
Nov 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on File
Deed Sale	Aug 21, 2020 · Amount on File
Deed Book / Page	2274 / 982
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	692 LOST TRL, HIGHLANDS, NC 28741-7271
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023000131
Date	Apr 26, 2021
Book Page	2300/131

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Apr 23, 2052

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON NC
Property Address	692 LOST TRL, HIGHLANDS, NC 28741-7271
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5746 CLARENDON DR, NAPLES, FL 34113-8385

Mortgage

Document Number	0023260837
Date	Feb 3, 2022
Book Page	2326/837

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	FRANKLIN, NC 28734

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 2, 2053

Interest

Rate Type	Adjustable Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON NC
Recording Date	Nov 20, 2020
Property Address	692 LOST TRL, HIGHLANDS, NC 28741-7271
Document Number	0022831811
Book / Page	002283 / 001811
Instrument Date	Nov 19, 2020
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	13188 FLAMINGO TER WEST PALM BEACH FL 334101311, WEST PALM BEACH, FL 33410-1311

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON NC
Recording Date	Aug 21, 2020
Property Address	692 LOST TRL, HIGHLANDS, NC 28741-7271
Document Number	0022740982
Book / Page	002274 / 000982
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$240.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5746 CLARENDON DR NAPLES FL 341138385, NAPLES, FL 34113-8385

Tax Assessment & Valuation

The 2025 property tax bill for 692 Lost Trl was $10,413.

Source: Jackson County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Jackson County
Unified School District	Jackson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,740,448 (-) Land $350,000 Building $2,390,448
2025	$10,413.00	$2,740,448 Land $350,000 Building $2,390,448
2023	$4,519.00	$1,189,230 Land $250,000 Building $939,230

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 692 Lost Trl in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · 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 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	7 (1994–2024)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
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 692 Lost Trl is moderate, ranking above 45% 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 45% of the US · above 66% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BalsamWest FiberNET Fiber	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Verizon, Vyve Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lost Trl

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