22 Cottage Loop, Waynesville, NC 28785 Property Records

Haywood County property record for 22 Cottage Loop, Waynesville, NC 28785 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,300 sqft · built 2004
Lot Size	0.043 acres (1,873 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Sep 2004)
Tax Bill	$2,463 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8627-24-9900`

Property Details

APN / Parcel Number

Primary APN	`8627-24-9900`
Alternative APN	`95679`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,300 sqft Heated Area
Gross Area	1,950 sqft
1st Floor Area	1,300 sqft
Upper Floors Area	650 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Vinyl
Roof Material	Asphalt
Lot Area	1,873 sqft (0.043 acres)
Garage Type	Carport
Carport	Carport
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	95679
Street Address	22 COTTAGE LOOP
City	WAYNESVILLE
State	NC
Zip	28785-6006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 8 COTTAGE HOMES OF CYPRESS MEADOWS
Legal Subdivision	COTTAGE HOMES OF CYPRESS MEADOWS
Legal Unit	8
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	1
Census Block	1002
Census Tract	920601

Owner

Source: Haywood County records · APN 8627-24-9900

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	22 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 24, 2004 · Amount on Record
Deed Sale	Sep 24, 2004 · Amount on Record
Deed Book / Page	609 / 1530
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Recording Date	Apr 14, 2026
Property Address	22 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006
Document Number	0000003012
Book / Page	1150 / 1863
Instrument Date	Apr 09, 2026
Instrument	20263012
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 COTTAGE LOOP, WAYNESVILLE, NC 28785-6006

Mortgage

Document Number	0000003012,
Date	Apr 14, 2026
Book Page	1150/1863
Instrument	20263012

Lender

Name	CHAMPION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Haywood County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$307,300 (-) Land $35,000 Building $272,300
2025	$2,463.00	$307,300 (-) Land $35,000 Building $272,300	$307,300 (-) Land $35,000 Building $272,300
2023		$307,300 Land $35,000 Building $272,300	$307,300 (-) Land $35,000 Building $272,300
2021			$307,300 Land $35,000 Building $272,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Haywood County (37087C), updated December 25, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370879206011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	About 1 in 813 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.