78 Elm Ct, Highlands, NC 28741 Property Records

Macon County property record for 78 Elm Ct, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 2,665 sqft · built 1990
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (Jun 2017)
Tax Bill	$4,957 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7540884986`

Property Details

APN / Parcel Number

Primary APN	`7540884986`
Alternative APNs	`0500796` `140023`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,665 sqft Heated Area
1st Floor Area	2,665 sqft
Basement Area	2,665 sqft
Finished Basement	2,665 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,928 sqft (0.71 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	368 sqft
Deck Area	36 sqft
Patio Area	936 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	140023
Street Address	78 ELM CT
City	HIGHLANDS
State	NC
Zip	28741-7140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 30 BLK H HLDS FALLS
Legal Subdivision	HIGHLANDS FALLS COUNTRY CLUB
Legal Block	H
Legal Lot Number	30
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1029
Census Tract	970502

Owner

78 Elm Ct is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	78 ELM CT, HIGHLANDS, NC 28741-7140
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2017 · Amount on File
Deed Sale	Jun 14, 2017 · Amount on File
Prior Sale	May 9, 2013 · Amount on File
Deed Document Number	20173802
Deed Book / Page	37 / 1226
Prior Transfer Date	Jul 5, 2013
Prior Transfer Doc	00P35/1705
Record Updated	Oct 29, 2026

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MACON NC
Recording Date	Jun 14, 2017
Property Address	78 ELM CT, HIGHLANDS, NC 28741-7140
Document Number	00Z37/1226
Book / Page	Z-37 / 1226
Map Reference	MB P-35 PG 1705
Instrument Date	May 8, 2017
Instrument	2017003802
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 PELICAN FLIGHT DR, DEWEES ISLAND, SC 29451-9403

Mortgage

Document Number	00Z37/1230
Date	Jun 14, 2017
Book Page	Z-37/1230
Instrument	2017003803

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.42%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.42%
Index	1-Year LIBOR
Max Rate	8.42%

Tax Assessment & Valuation

The 2026 property tax bill for 78 Elm Ct was $4,957, up 3.5% from the year before.

Source: Macon County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,957.00 (+3.46%)	$1,615,760 Land $100,000 Building $1,515,760	$1,615,760 Land $100,000 Building $1,515,760
2025	$4,791.00
2023	$4,779.00	$1,615,760 Land $100,000 Building $1,515,760	$1,615,760 Land $100,000 Building $1,515,760

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

Flood

FEMA maps place 78 Elm Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

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 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

Wildfire risk around 78 Elm Ct is moderate, ranking above 40% of the US, with a 0.07% 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	0.07% 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 95 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: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Elm Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures