21 Cottage Loop, Waynesville, NC 28785 Property Records

Haywood County property record for 21 Cottage Loop, Waynesville, NC 28785

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,300 sqft · built 2005
Lot Size	0.051 acres (2,222 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jul 2018)
Tax Bill	$2,019 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8627-24-7995`

Property Details

APN / Parcel Number

Primary APN	`8627-24-7995`
Alternative APN	`252722`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Heated Area
Gross Area	1,828 sqft
1st Floor Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Vinyl
Lot Area	2,222 sqft (0.051 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Patio

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump

Location & Zoning

Account Number	252722
Street Address	21 COTTAGE LOOP
City	WAYNESVILLE
State	NC
Zip	28785-6006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT #5 PH 9 COTTAGE HOME OF CYPRESS MEADOWS
Legal Subdivision	CYPRESS MEADOWS
Legal Phase	9
Legal Unit	5
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	1
Census Block	1004
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	Individual Name on Record
Mailing Address	21 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Deed Document Number	20186078
Deed Book / Page	955 / 719
Record Updated	Oct 29, 2026

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAYWOOD NC
Recording Date	Jul 12, 2018
Property Address	21 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Document Number	0009550719
Book / Page	000955 / 000719
Instrument Date	Jul 2, 2018
Instrument	6078
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 COTTAGE LOOP WAYNESVILLE NC 287856006, WAYNESVILLE, NC 28785-6006

Mortgage

Document Number	9550722
Date	Jul 12, 2018
Book Page	000955/000722
Instrument	6079

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

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		$248,000 (-) Land $35,000 Building $213,000
2025	$2,019.00	$248,000 (-) Land $35,000 Building $213,000	$248,000 (-) Land $35,000 Building $213,000
2023		$248,000 Land $35,000 Building $213,000	$248,000 (-) Land $35,000 Building $213,000
2021			$248,000 Land $35,000 Building $213,000

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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