82 Reflection Dr, Topton, NC 28781 Property Records

Macon County property record for 82 Reflection Dr, Topton, NC 28781

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,407 sqft · built 2018
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Aug 2023)
Tax Bill	$2,290 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6504899713`

Property Details

APN / Parcel Number

Primary APN	`6504899713`
Alternative APNs	`0951186` `140984` `155650`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,407 sqft Heated Area
1st Floor Area	1,407 sqft
Basement Area	1,407 sqft
Unfinished Basement	1,407 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,640 sqft (0.91 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	354 sqft
Deck Area	78 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	155650
Street Address	82 REFLECTION DR
City	TOPTON
State	NC
Zip	28781-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 2 JARRETT CREEK
Legal Subdivision	JARRETT CREEK
Legal Lot Number	2
Jurisdiction	MACON NC
Township / Civil Division	NANTAHALA
Census Block Group	2
Census Block	2147
Census Tract	970200

Owner

Source: Macon County records · APN 6504899713

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	Individual Name on File
Mailing Address	82 REFLECTION DR, TOPTON, NC 28781-4515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Aug 13, 2018	Deed of Trust, Mortgage · Construction Mortgage CAROLINA FARM CREDIT ACA
Oct 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Oct 17, 2017 · Amount on Record
Deed Document Number	20234918
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Aug 11, 2023
Property Address	82 REFLECTION DR, TOPTON, NC 28781-4515
Document Number	000R42/123
Book / Page	R-42 / 123
Map Reference	CARD 5913
Instrument Date	Aug 03, 2023
Instrument	2023004918
Transaction Type	Transfer
Record Updated	Aug 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7435 TERRACE RIVER DR, TEMPLE TERRACE, FL 33637-7924

Mortgage

Document Number	2023004919
Date	Aug 11, 2023
Instrument	2023004919

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	82 REFLECTION DR, TOPTON, NC 28781-4515
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T38/0247
Date	Aug 13, 2018
Book Page	T-38/0247
Instrument	2018005507

Lender

Name	CAROLINA FARM CREDIT ACA
Type	Funding / Finance Company
Address	LIBERTY, NC 27298

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Sep 01, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Oct 17, 2017
Property Address	82 REFLECTION DR, TOPTON, NC 28781-4515
Document Number	F38/1382
Book / Page	F-38 / 1382
Map Reference	MB L-32 PG 2470-2474
Instrument Date	Oct 13, 2017
Instrument	2017007089
Transaction Type	Transfer
Record Updated	Oct 04, 2021

Transaction

Amount	Amount Recorded
Tax	$193.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 SE 8TH AVE APT 2520, 2520, FORT LAUDERDALE, FL 33301-3999

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$681,150 (-) Land $150,000 Building $531,150	$681,150 (-) Land $150,000 Building $531,150
2025	$2,290.00 (+0.53%)
2023	$2,278.00 (+47.44%)	$681,150 (+123.04%) Land $150,000 Building $531,150	$681,150 (+123.04%) Land $150,000 Building $531,150
2022	$1,545.00	$305,390 Land $100,000 Building $205,390	$305,390 Land $100,000 Building $205,390

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 8, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

Based on FCC filings for 28 locations within half a mile of this property.

Cell Coverage

No cell data coverage reported

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