75 Cobb Rd, Otto, NC 28763 Property Records

Macon County property record for 75 Cobb Rd, Otto, NC 28763 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Year Built	Built 1989
Square Footage	1,975 sqft Heated Area
Lot Size	95,832 sqft (2.2 acres)
Garage	Attached, 576 sqft
Last Sale	$240,000 (2023)
Tax Bill	$2,602.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`6580460988`
Alternative APNs	`0700610` `154871` `3281`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Building Area	1,975 sqft Heated Area
1st Floor	1,975 sqft 1st Floor
Basement Area	1,215 sqft Basement
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1989
Architectural Style	Conventional Style
Exterior Material	Wood Exterior
Construction Type	Frame Construction
Lot Area	95,832 sqft (2.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	576 sqft Garage

Exterior Amenities

Deck Area	132 sqft Deck
Patio Area	256 sqft Patio
Porch Area	354 sqft Porch
Topography	Rolling Topography

Utilities and HVAC

Heating System	Baseboard Heating
Heating Fuel	Electric Heating Fuel
Sewage	Septic Sewage
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	154871
Street Address	75 COBB RD
City	OTTO
State	NC
Zip	28763-9267
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OFF 1114 DILLS HILL
Legal Subdivision	DILLS HILL
Jurisdiction	MACON NC
Minor Civil Division	SMITHBRIDGE
Census Blockgroup	4
Census Block	4043
Census Tract	970700

Owner

Source: Macon County records · APN 6580460988

Assessment roll updated September 22, 2025 · Last verified August 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 File
Mailing Address	174 GREEN VALE LN, FRANKLIN, NC 28734-5331
Owner Type	Owner is a Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2023 · Amount on Record
Deed Sale	Jun 15, 2023 · Amount on Record
Deed Doc Number	20233596
Deed Book / Page	42 / 1390
Prior Transfer Date	Nov 06, 2007
Prior Transfer Doc	00X31/0050
Record Refreshed	Sep 20, 2026

June 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jun 15, 2023
Property Address	75 COBB RD, OTTO, NC 28763-9267
Document Number	00O42/1390
Book / Page	O-42 / 1390
Instrument Date	May 25, 2023
Instrument	2023003596
Transaction Type	Construction Loan
Record Updated	Jun 30, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14908 JUDICIAL RD, BURNSVILLE, MN 55306-4818

Mortgage

Document Number	2023003597
Date	Jun 15, 2023
Instrument	2023003597

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Jun 15, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Macon County records · Assessment roll updated September 22, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$316,370 (-) Land $61,370 Building $255,000	$316,370 (-) Land $61,370 Building $255,000
2025	$2,602.00 (+120.51%)	$316,370 (+0.03%) Land $61,370 Building $255,000	$316,370 (+0.03%) Land $61,370 Building $255,000
2023	$1,180.00 (-14.12%)	$316,270 (+24.85%) Land $61,370 Building $254,900	$316,270 (+24.85%) Land $61,370 Building $254,900
2022	$1,374.00	$253,320 Land $66,420 Building $186,900	$253,320 Land $66,420 Building $186,900

Flood & Wildfire

75 Cobb Rd is in FEMA Zone AE, inside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Macon County (37113C), updated November 8, 2018

FEMA Flood Zone	Zone AE 1% annual chance, base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 53rd percentile of exposed land nationally · 75th in North Carolina
Wildfire Likelihood	Moderate — about 1 in 813 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.