78 Oak St, Highlands, NC 28741 Property Records

Macon County property record for 78 Oak St, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,564 sqft · built 1950
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$77,500 (Aug 2011)
Tax Bill	$2,637 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7540228129`

Property Details

APN / Parcel Number

Primary APN	`7540228129`
Alternative APNs	`0504540` `134084`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,564 sqft Heated Area
1st Floor Area	1,116 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Concrete
Construction Type	Concrete Block
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	374 sqft
Deck Area	320 sqft
Patio Area	408 sqft
Canopy	240 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	134084
Street Address	78 OAK ST
City	HIGHLANDS
State	NC
Zip	28741-8440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR2
Legal Description	OAK ST
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1021
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	Individual Name on Record
Mailing Address	78 OAK ST, HIGHLANDS, NC 28741-8440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2011 · Amount on Record
Deed Sale	Aug 5, 2011 · Amount on Record
Prior Sale	Apr 21, 2011
Deed Document Number	20115243
Deed Book / Page	34 / 286
Prior Transfer Date	Apr 13, 2011
Prior Transfer Doc	00H34/0070
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	78 OAK ST, HIGHLANDS, NC 28741-8440
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00B38/1030
Date	Jul 24, 2017
Book Page	B-38/1030
Instrument	2017004813

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 1, 2046

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	78 OAK ST, HIGHLANDS, NC 28741-8440
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R38/0010
Date	Jun 28, 2018
Book Page	R-38/0010
Instrument	2018004387

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	78 OAK ST, HIGHLANDS, NC 28741-8440
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00D39/2398
Date	Apr 26, 2019
Book Page	D-39/2398
Instrument	2019002472

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	78 OAK ST, HIGHLANDS, NC 28741-8440
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00R39/1700
Date	Jan 21, 2020
Book Page	R-39/1700
Instrument	2020000413

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	78 OAK ST, HIGHLANDS, NC 28741-8440
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	SIMPLE TITLE AND ESCROW, SILK TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000T41/446
Date	Apr 5, 2022
Book Page	T-41/446
Instrument	2022002618

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

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	$2,637.00 (+9.78%)	$583,400 (+0.28%) Land $343,610 Building $239,790	$583,400 (+0.28%) Land $343,610 Building $239,790
2025	$2,402.00 (+0.5%)
2023	$2,390.00	$581,800 Land $343,610 Building $238,190	$581,800 Land $343,610 Building $238,190

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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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 209 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: Frontier, Hotwire Communications, Verizon.

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