740 Cobb Rd, Highlands, NC 28741 Property Records

Macon County property record for 740 Cobb Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,174 sqft · built 1953
Lot Size	0.99 acres (43,124 sqft)
Owner	Individual Name on File
Last Sale	$1,250,000 (Sep 2004)
Deeds & Mortgages	Dec 2018 Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`7530729858`

Property Details

APN / Parcel Number

Primary APN	`7530729858`
Alternative APNs	`0500004` `141948`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,174 sqft Heated Area
1st Floor Area	1,520 sqft
Upper Floors Area	654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
Terrain	Rolling
View / Lot	Golf Course

Exterior Amenities

Porch	Patio
Porch Area	364 sqft
Deck Area	Deck Area
Patio Area	448 sqft
Cabin	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	141948
Street Address	740 COBB RD
City	HIGHLANDS
State	NC
Zip	28741-6502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	LOT 52 HLDS COUNTRY CLUB
Legal Subdivision	HIGHLANDS COUNTRY CLUB
Legal Lot Number	52
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1029
Census Tract	970501

Owner

740 Cobb Rd is owned and occupied by an individual who acquired it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	740 COBB RD, HIGHLANDS, NC 28741-6502
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 20, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2004 · Amount on File
Deed Sale	Sep 30, 2004 · Amount on File
Deed Book / Page	28 / 302
Last Transfer Date	Mar 19, 2018
Transfer Doc	M38/0632
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	740 COBB RD, HIGHLANDS, NC 28741-6502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Y38/1166
Date	Dec 11, 2018
Book Page	Y-38/1166
Instrument	2018008466

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Mar 20, 2018
Property Address	740 COBB RD, HIGHLANDS, NC 28741-6502
Document Number	M38/0632
Book / Page	M-38 / 0632
Map Reference	MB N-28 PG 302-304
Instrument Date	Mar 19, 2018
Instrument	2018001806
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	PO BOX 2712, HIGHLANDS, NC 28741-2712

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$1,186,210 (+3.09%) Land $500,000 Building $686,210	$1,186,210 (+3.09%) Land $500,000 Building $686,210
2025	$1,150,610 Land $500,000 Building $650,610	$1,150,610 Land $500,000 Building $650,610
2023	$1,150,610 Land $500,000 Building $650,610	$1,150,610 Land $500,000 Building $650,610

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

Flood

FEMA maps place 740 Cobb Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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 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 740 Cobb Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	0.05% 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 89 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

Cell Coverage

5G (outdoors only) and 4G LTE

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