855 Cobb Rd, Highlands, NC 28741 Property Records

Macon County property record for 855 Cobb Rd, Highlands, NC 28741

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,144 sqft · built 1938
Lot Size	1.22 acres (53,143 sqft)
Owner	Individual Name on Record
Last Sale	$1,670,000 (Jan 2021)
Tax Bill	$11,145 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7530736231`

Property Details

APN / Parcel Number

Primary APN	`7530736231`
Alternative APNs	`0501791` `113146`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,144 sqft Heated Area
1st Floor Area	2,144 sqft
Basement Area	1,762 sqft
Finished Basement	1,762 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	53,143 sqft (1.22 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Finished
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	1,124 sqft
Deck Area	80 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	113146
Street Address	855 COBB RD
City	HIGHLANDS
State	NC
Zip	28741-6503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	LOT 45A 46 HLDS COUNTRY CLUB
Legal Subdivision	HIGHLANDS COUNTRY CLUB
Legal Lot Number	45A
Jurisdiction	MACON NC
Township / Civil Division	HIGHLANDS
Census Block Group	1
Census Block	1029
Census Tract	970501

Owner

Source: Macon County records, as of August 18, 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	1605 TYNEWOOD DR, NASHVILLE, TN 37215-4213
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Deed Document Number	2021131
Deed Book / Page	40 / 1699
Prior Transfer Date	Jul 11, 2008
Prior Transfer Doc	00K32/2261
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jan 7, 2021
Property Address	855 COBB RD, HIGHLANDS, NC 28741-6503
Document Number	00N40/1699
Book / Page	N-40 / 1699
Map Reference	CARD 1799
Instrument Date	Dec 31, 2020
Instrument	2021000131
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 TYNEWOOD DR, NASHVILLE, TN 37215-4213

Mortgage

Document Number	2021000132
Date	Jan 7, 2021
Instrument	2021000132

Lender

Name	GAYLE B CUMMINGS ETAL
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	12 Months
Due	Dec 31, 2021

Tax Assessment & Valuation

Source: Macon County assessment roll, as of September 22, 2025

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		$2,817,710 (-) Land $1,000,000 Building $1,817,710	$2,817,710 (-) Land $1,000,000 Building $1,817,710
2025	$11,145.00 (+36.36%)	$2,817,710 (+36.7%) Land $1,000,000 Building $1,817,710	$2,817,710 (+36.7%) Land $1,000,000 Building $1,817,710
2023	$8,173.00	$2,061,190 Land $1,000,000 Building $1,061,190	$2,061,190 Land $1,000,000 Building $1,061,190

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 64% of the US · above 49% 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 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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