97 Sam Waters Rd, Topton, NC 28781 Property Records

Macon County property record for 97 Sam Waters Rd, Topton, NC 28781

Property Summary

Property Type	Residential Vacant Land
Lot Size	8.06 acres (351,094 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Jul 2026)
Tax Bill	$283 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Jul 2026 Sale & Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`6527800421`

Property Details

APN / Parcel Number

Primary APN	`6527800421`
Alternative APN	`150042`

Exterior

Lot Area	351,094 sqft (8.06 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	150042
Street Address	97 SAM WATERS RD
City	TOPTON
State	NC
Zip	28781
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R
Legal Description	RD 1398
Legal Subdivision	STEVEN C MCDONALD AND SHIRLEY MCDONALD
Jurisdiction	MACON NC
Township / Civil Division	NANTAHALA
Census Block Group	2
Census Block	2012
Census Tract	970200

Owner

Source: Macon County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2013 KINGSTON CT, CHELSEA, AL 35043-7264
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Construction Mortgage AGSOUTH FARM CREDIT
Jul 24, 2026	Warranty Deed, Transfer · Construction Mortgage AGSOUTH FARM CREDIT
May 28, 2021	Warranty Deed, Transfer
Sep 15, 2020	Correction Deed
Sep 15, 2020	Warranty Deed, Transfer · Commercial Mortgage MCDONALD FAMILY REVOCABLE LIVING TR
Apr 13, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Prior Sale	Sep 15, 2020 · Amount on Record
Deed Document Number	20264705
Deed Book / Page	N- / 44.2237
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	00E40/1837
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON NC
Recording Date	Jul 24, 2026
Property Address	97 SAM WATERS RD, TOPTON, NC 28781
Document Number	0000004706
Book / Page	44 / 2240
Instrument Date	Jul 23, 2026
Instrument	20264706
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2013 KINGSTON CT, CHELSEA, AL 35043-7264

Mortgage

Document Number	0000004706,
Date	Jul 24, 2026
Book Page	44/2240
Instrument	20264706

Lender

Name	AGSOUTH FARM CREDIT

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Jul 24, 2026
Property Address	97 SAM WATERS RD, TOPTON, NC 28781
Document Number	0000004705
Book / Page	N- / 44.2237
Instrument Date	Jul 22, 2026
Instrument	20264705
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,856.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2013 KINGSTON CT, CHELSEA, AL 35043-7264

Mortgage

Document Number	0000004705,
Date	Jul 24, 2026
Book Page	N44/2240
Instrument	20264705

Lender

Name	AGSOUTH FARM CREDIT

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.49%
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	May 28, 2021
Property Address	97 SAM WATERS RD, TOPTON, NC 28781
Document Number	000Y40/976
Book / Page	Y-40 / 976
Map Reference	MB E-40 PG 1840-1842
Instrument Date	May 27, 2021
Instrument	2021005180
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7635 HORSE LAKE RD, 7635, BROOKSVILLE, FL 34601-9021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 CHIMNEY RIDGE DR, TOPTON, NC 28781-7398

September 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	MACON NC
Recording Date	Sep 15, 2020
Property Address	97 SAM WATERS RD, TOPTON, NC 28781
Document Number	00E40/1837
Book / Page	E-40 / 1837
Map Reference	MB V-39 PG 1870-1872
Instrument Date	Sep 10, 2020
Instrument	2020006665
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	97 SAM WATERS RD, TOPTON, NC 28781

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON NC
Recording Date	Sep 15, 2020
Property Address	97 SAM WATERS RD, TOPTON, NC 28781
Document Number	00E40/1840
Book / Page	E-40 / 1840
Map Reference	CARD 7931
Instrument Date	Sep 10, 2020
Instrument	2020006666
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7878 N LAKE BUFFUM SHORE RD, FORT MEADE, FL 33841-9231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7635 HORSE LAKE RD, BROOKSVILLE, FL 34601-9021

Mortgage

Document Number	2020006667
Date	Sep 15, 2020
Instrument	2020006667

Lender

Name	MCDONALD FAMILY REVOCABLE LIVING TR
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON NC
Recording Date	Apr 13, 2020
Property Address	97 SAM WATERS RD, TOPTON, NC 28781
Document Number	00V39/1870
Book / Page	V-39 / 1870
Instrument Date	Feb 28, 2020
Instrument	2020002375
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	7878 N LAKE BUFFUM SHORE RD, FORT MEADE, FL 33841-9231

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		$88,860 (-) Land $88,860	$88,860 (-) Land $88,860
2025	$283.00	$88,860 (-) Land $88,860	$88,860 (-) Land $88,860
2023	$283.00 (+8.43%)	$88,860 (+59.79%) Land $88,860	$88,860 (+59.79%) Land $88,860
2022	$261.00	$55,610 Land $55,610	$55,610 Land $55,610

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

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
Nearby Flood Policies	4 in force

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 55% of the US · above 77% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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