18 Cottage Loop, Waynesville, NC 28785 Property Records

Haywood County property record for 18 Cottage Loop, Waynesville, NC 28785

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,300 sqft · built 2004
Lot Size	0.047 acres (2,047 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (May 2021)
Tax Bill	$2,520 (2025)
Deeds & Mortgages	May 2021 Sale Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8627-24-8873`

Property Details

APN / Parcel Number

Primary APN	`8627-24-8873`
Alternative APN	`267184`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,300 sqft Heated Area
Gross Area	2,103 sqft
1st Floor Area	1,300 sqft
Upper Floors Area	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Vinyl
Roof Material	Asphalt
Lot Area	2,047 sqft (0.047 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	267184
Street Address	18 COTTAGE LOOP
City	WAYNESVILLE
State	NC
Zip	28785-6006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#7 COTTAGE HOMES OF CYPRESS MEADOWS
Legal Subdivision	COTTAGE HOMES OF CYPRESS MEADOWS
Legal Unit	7
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	1
Census Block	1002
Census Tract	920601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Warranty Deed, Transfer
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Sep 24, 2004 · Amount on Record
Deed Document Number	20216490
Deed Book / Page	1031 / 1854
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	May 26, 2021
Property Address	18 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Document Number	0010311854
Book / Page	1031 / 1854
Map Reference	MB C SL 3794
Instrument Date	May 20, 2021
Instrument	2021006490
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Amount	Amount Recorded
Tax	$638.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	836 TRUMPET VINE CT, 836, WENDELL, NC 27591-9860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	18 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Document Number	0009761903
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 COTTAGE LOOP WAYNESVILLE NC 287856006, WAYNESVILLE, NC 28785-6006

Mortgage

Document Number	0009761903
Date	Jul 12, 2019
Book Page	000976/001903
Instrument	6034

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$314,900 (-) Land $35,000 Building $279,900
2025	$2,520.00	$314,900 (-) Land $35,000 Building $279,900	$314,900 (-) Land $35,000 Building $279,900
2023		$314,900 Land $35,000 Building $279,900	$314,900 (-) Land $35,000 Building $279,900
2021			$314,900 Land $35,000 Building $279,900

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 December 25, 2025 · 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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
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.

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · above 72% of North Carolina
Wildfire Likelihood	0.1% 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	JUNALUSKA SANITARY DISTRICT serves 5,138 people · EPA ID NC0144035
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 98 locations within half a mile, as of December 31, 2025

Provider	Max 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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