778 Cobb Rd, Highlands, NC 28741 Property Records

Macon County property record for 778 Cobb Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,294 sqft · built 1950
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Mar 2017)
Tax Bill	$9,901 (2026)
Deeds & Mortgages	Feb 2021 Transfer Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7530729918`

Property Details

APN / Parcel Number

Primary APN	`7530729918`
Alternative APNs	`0503435` `148911`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	3,294 sqft Heated Area
1st Floor Area	2,790 sqft
Upper Floors Area	504 sqft
Basement Area	516 sqft
Unfinished Basement	516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
View / Lot	Golf Course
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	595 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	148911
Street Address	778 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 51 HLDS COUNTRY CLUB
Legal Subdivision	HIGHLANDS COUNTRY CLUB
Legal Lot Number	51
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1068
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	3245 THOMAS AVE, MONTGOMERY, AL 36106-2427
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2021	Intrafamily Transfer, Transfer
Mar 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage SERVISFIRST BANK
Aug 22, 2017	Intrafamily Transfer, Transfer
Mar 24, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Prior Sale	Feb 16, 2000 · Amount on Record
Deed Document Number	20171917
Deed Book / Page	37 / 213
Last Transfer Date	Aug 22, 2017
Transfer Doc	C38/2167
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Feb 15, 2021
Property Address	778 COBB RD, HIGHLANDS, NC 28741-6502
Document Number	Q40/417
Book / Page	Q-40 / 417
Instrument Date	Feb 9, 2021
Instrument	2021001368
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	3245 THOMAS AVE, MONTGOMERY, AL 36106-2427

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	778 COBB RD, HIGHLANDS, NC 28741-6502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	B39/1776
Date	Mar 4, 2019
Book Page	B-39/1776
Instrument	2019001291

Lender

Name	SERVISFIRST BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Aug 22, 2017
Property Address	778 COBB RD, HIGHLANDS, NC 28741-6502
Document Number	C38/2167
Book / Page	C-38 / 2167
Instrument Date	Aug 22, 2017
Instrument	2017005586
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	3245 THOMAS AVE, MONTGOMERY, AL 36106-2427

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Mar 24, 2017
Property Address	778 COBB RD, HIGHLANDS, NC 28741-6502
Document Number	W37/0213
Book / Page	W-37 / 0213
Map Reference	PL CARD 9243
Instrument Date	Mar 17, 2017
Instrument	2017001917
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Tax	$2,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1189, MONTGOMERY, AL 36101-1189

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	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,901.00 (+10.16%)	$2,266,430 (+3.1%) Land $500,000 Building $1,766,430	$2,266,430 (+3.1%) Land $500,000 Building $1,766,430
2025	$8,988.00 (+0.13%)	$2,198,230 (-) Land $500,000 Building $1,698,230	$2,198,230 (-) Land $500,000 Building $1,698,230
2023	$8,976.00	$2,198,230 Land $500,000 Building $1,698,230	$2,198,230 Land $500,000 Building $1,698,230

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 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

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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