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107 Cottage Loop, Waynesville, NC 28785 Property Records

Haywood County property record for 107 Cottage Loop, Waynesville, NC 28785

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,300 sqft · built 2005
Lot Size0.044 acres (1,917 sqft)
Owner2 Individual Names on File
Last Sale$375,000 (Aug 2026)
Tax Bill$1,974 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8627-25-7065

Property Details

APN / Parcel Number

Primary APN8627-25-7065
Alternative APN
  • 205035

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,300 sqft Heated Area
Gross Area1,938 sqft
1st Floor Area1,300 sqft

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialVinyl
Lot Area1,917 sqft (0.044 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space
PorchPatio

Utilities, Heating & Cooling

Cooling SystemPartial
Heating SystemHeat Pump

Location & Zoning

Account Number205035
Street Address350 CJ JUSTICE DR
CityWAYNESVILLE
StateNC
Zip28785-5501
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 3 PH 3 COTTAGE HOMES OF CYPRESS MEADOWS
Legal SubdivisionCOTTAGE HOMES OF CYPRESS MEADOWS
Legal Phase3
Legal Unit3
JurisdictionHAYWOOD NC
Township / Civil DivisionWAYNESVILLE
Census Block Group1
Census Block1004
Census Tract920601

Owner

107 Cottage Loop is owned by two individuals who bought it in August 2026.

Source: Haywood County records, as of September 1, 2026

Owner of Record2 Individual Names on File
Mailing Address75 CLIFFVIEW DR, ASHEVILLE, NC 28803-8602
Owner TypeIndividual
VestingHusband and Wife

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2026 · Amount on File
Deed SaleAug 21, 2026 · Amount on File
Deed Document Number20267318
Deed Book / Page1159 / 2011
Prior Transfer DateAug 5, 2009
Prior Transfer Doc0007661988
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAYWOOD NC
Recording DateAug 21, 2026
Property Address350 CJ JUSTICE DR, WAYNESVILLE, NC 28785-5501
Document Number0000007318
Book / Page1159 / 2011
Instrument DateAug 19, 2026
Instrument20267318
Transaction TypeTransfer
Record UpdatedSep 1, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$75,750.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address75 CLIFFVIEW DR, ASHEVILLE, NC 28803-8602

Mortgage

Document Number0000007319,
DateAug 21, 2026
Instrument20267319
Lender
NameCHAMPION CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.75%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 107 Cottage Loop was $1,974.

Source: Haywood County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHaywood County
Unified School DistrictHaywood County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$242,100 (-) Land $35,000 Building $207,100
2025$1,974.00$242,100 Land $35,000 Building $207,100$242,100 Land $35,000 Building $207,100
2023$242,100 Land $35,000 Building $207,100$242,100 Land $35,000 Building $207,100
2021$242,100 Land $35,000 Building $207,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 107 Cottage Loop in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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

Wildfire risk around 107 Cottage Loop is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 51% of the US · above 72% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemJUNALUSKA SANITARY DISTRICT
serves 5,138 people · EPA ID NC0144035
Water SourcePurchased surface water from several systems
Last State InspectionMar 2026
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting1
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 98 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Skyrunner
Fixed Wireless · Fiber in parts of the area		500 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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