849 Flat Mountain Estates Rd, Highlands, NC 28741 Property Records

Macon County property record for 849 Flat Mountain Estates Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,880 sqft · built 1999
Lot Size	1.14 acres (49,658 sqft)
Owner	Company Name on Record
Tax Bill	$3,581 (2026)
Deeds & Mortgages	Apr 2021 Sale Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7531703099`

Property Details

APN / Parcel Number

Primary APN	`7531703099`
Alternative APNs	`0501479` `84856`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,880 sqft Heated Area
1st Floor Area	1,920 sqft
Upper Floors Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Foundation Type	Crossed Walls
Roof Type	Gable
Roof Material	Metal
Lot Area	49,658 sqft (1.14 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio
Porch Area	584 sqft
Deck Area	240 sqft
Patio Area	976 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	84856
Street Address	849 FLAT MOUNTAIN ESTATES RD
City	HIGHLANDS
State	NC
Zip	28741-8790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 9 BLK E FLAT TOP MTN
Legal Subdivision	FLAT TOP MOUNTAIN
Legal Block	E
Legal Lot Number	9
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	2
Census Block	2058
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	PO BOX 2787, HIGHLANDS, NC 28741-2787
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Warranty Deed, Transfer
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Dec 9, 2020	Warranty Deed, Transfer
Dec 10, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 20, 2010
Transfer Doc	S33/1142
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Apr 16, 2021
Property Address	849 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8790
Document Number	V40/91
Book / Page	V-40 / 91
Map Reference	CARD 2307
Instrument Date	Apr 9, 2021
Instrument	2021003621
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2787, HIGHLANDS, NC 28741-2787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2787, HIGHLANDS, NC 28741-2787

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	849 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8790
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	N40/1392
Date	Jan 5, 2021
Book Page	N-40/1392
Instrument	2021000060

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	7.37%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Dec 9, 2020
Property Address	849 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8790
Document Number	L40/1164
Book / Page	L-40 / 1164
Map Reference	CARD 2307
Instrument Date	Dec 9, 2020
Instrument	2020009844
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2787, HIGHLANDS, NC 28741-2787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2787, HIGHLANDS, NC 28741-2787

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Property Address	849 FLAT MOUNTAIN ESTATES RD, HIGHLANDS, NC 28741-8790
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Y38/1010
Date	Dec 10, 2018
Book Page	Y-38/1010
Instrument	2018008447

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	10.1%

Tax Assessment & Valuation

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	$3,581.00 (+3.44%)	$1,156,070 (+1.82%) Land $252,810 Building $903,260	$1,156,070 (+1.82%) Land $252,810 Building $903,260
2025	$3,462.00 (+0.35%)
2023	$3,450.00	$1,135,370 Land $252,810 Building $882,560	$1,135,370 Land $252,810 Building $882,560

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2020–2024)
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

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Hotwire Communications.

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