128 Reed St, Canton, NC 28716 Property Records

Haywood County property record for 128 Reed St, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,396 sqft · built 1960
Lot Size	0.297 acres (12,929 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Mar 2019)
Tax Bill	$257 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`8656-69-7765`

Property Details

APN / Parcel Number

Primary APN	`8656-69-7765`
Alternative APN	`256956`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,396 sqft Heated Area
Gross Area	1,772 sqft
1st Floor Area	1,396 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Material	Asphalt
Lot Area	12,929 sqft (0.297 acres)
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	256956
Street Address	128 REED ST
City	CANTON
State	NC
Zip	28716-4280
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR1
Legal Description	128 REED ST
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	2
Census Block	2045
Census Tract	920400

Owner

128 Reed St is owned and occupied by two individuals who bought it in March 2019.

Source: Haywood County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	128 REED ST, CANTON, NC 28716-4280
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 27, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 21, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2019 · Amount on File
Deed Sale	Mar 21, 2019 · Amount on File
Deed Document Number	20192306
Deed Book / Page	969 / 2147
Prior Transfer Date	Jul 30, 2010
Prior Transfer Doc	0RB7862088
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	128 REED ST, CANTON, NC 28716-4280
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010312206
Date	May 27, 2021
Book Page	1031/2206
Instrument	2021006550

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Mar 21, 2019
Property Address	128 REED ST, CANTON, NC 28716-4280
Document Number	0009692147
Book / Page	000969 / 002147
Instrument Date	Mar 21, 2019
Instrument	2306
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24 REED ST CANTON NC 287164846, CANTON, NC 28716-4846

Mortgage

Document Number	9692150
Date	Mar 21, 2019
Book Page	000969/002150
Instrument	2307

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 128 Reed St was $257.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Haywood County
Municipality	Canton Town
Unified School District	Haywood County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,200 (+181.88%) Land $14,200 Building $118,000
2025	$257.00	$46,900 Land $14,200 Building $32,700	$132,200 Land $14,200 Building $118,000
2023		$145,300 Land $14,300 Building $131,000	$145,300 Land $14,300 Building $131,000
2021			$145,300 Land $14,300 Building $131,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 128 Reed St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	37 (1983–2024)
Claims Outside the SFHA	5 of 37
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 12 claims Remnants Of Tropical Storm Fred, Aug 2021 · 9 claims Tropical Storm Frances, Sep 2004 · 8 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

Wildfire risk around 128 Reed St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 CANTON serves 7,850 people · EPA ID NC0144015
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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

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

May also be available: T-Mobile, Verizon.

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