Macon County property record for 95 Ralph Thomas Rd, Highlands, NC 28741
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,036 sqft · built 1983 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Company Name on Record |
| Last Sale | $390,000 (Oct 2019) |
| Tax Bill | $2,514 (2023) |
| Deeds & Mortgages | Mar 2020 Line of Credit Oct 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 7540163605 |
| Primary APN | 7540163605 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,036 sqft Heated Area |
| 1st Floor Area | 1,520 sqft |
| Upper Floors Area | 516 sqft |
| Attic | Attic |
| Attic Area | 516 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 23,958 sqft (0.55 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 576 sqft |
| Patio Area | 968 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 145567 |
|---|---|
| Street Address | 95 RALPH THOMAS RD |
| City | HIGHLANDS |
| State | NC |
| Zip | 28741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | BILLY CABIN ROAD #1546 |
| Jurisdiction | MACON NC |
| Township / Civil Division | HIGHLANDS |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 970501 |
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 1501, HIGHLANDS, NC 28741-1501 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 17, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Oct 18, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2019 · Amount on Record |
| Deed Sale | Oct 18, 2019 · Amount on Record |
| Prior Sale | Jul 20, 2006 · Amount on Record |
| Deed Document Number | 20197074 |
| Deed Book / Page | 39 / 1853 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MACON NC |
| Property Address | 95 RALPH THOMAS RD, HIGHLANDS, NC 28741 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | U39/1375 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | U-39/1375 |
| Instrument | 2020001784 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON NC |
| Recording Date | Oct 18, 2019 |
| Property Address | 95 RALPH THOMAS RD, HIGHLANDS, NC 28741 |
| Document Number | M39/1853 |
| Book / Page | M-39 / 1853 |
| Map Reference | CARD 10547 |
| Instrument Date | Oct 18, 2019 |
| Instrument | 2019007074 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 158 BEACON LN, JUPITER, FL 33469-3504 |
Source: Macon County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Macon County |
| Unified School District | Macon County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $832,380 (-) Land $153,550 Building $678,830 | $832,380 (-) Land $153,550 Building $678,830 | |
| 2025 | $832,380 (-) Land $153,550 Building $678,830 | $832,380 (-) Land $153,550 Building $678,830 | |
| 2023 | $2,514.00 | $832,380 Land $153,550 Building $678,830 | $832,380 Land $153,550 Building $678,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 115 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 |
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