318 Academy St, Canton, NC 28716 Property Records

Haywood County property record for 318 Academy St, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,209 sqft · built 1926
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Dec 2020)
Tax Bill	$1,743 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2022 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`8657-90-2287`

Property Details

APN / Parcel Number

Primary APN	`8657-90-2287`
Alternative APN	`271373`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,209 sqft Heated Area
Gross Area	2,587 sqft
1st Floor Area	1,209 sqft
Upper Floors Area	907 sqft
Basement Area	1,209 sqft
Unfinished Basement	1,209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	271373
Street Address	318 ACADEMY ST
City	CANTON
State	NC
Zip	28716-1197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR2
Legal Description	318 ACADEMY ST
Legal Subdivision	WILLIAM BRENT HOLLAND
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	1
Census Block	1011
Census Tract	920300

Owner

318 Academy St is owned and occupied by two individuals who acquired it in January 2022.

Source: Haywood County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	318 ACADEMY ST, CANTON, NC 28716-1197
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
Apr 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage CHAMPION CU
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit CHAMPION CU
Jan 24, 2022	Correction Deed
Jan 10, 2022	Intrafamily Transfer, Transfer
Feb 18, 2021	Intrafamily Transfer, Transfer
Feb 18, 2021	Intrafamily Transfer, Transfer
Dec 31, 2020	Warranty Deed, Transfer OTHER
Dec 31, 2020	Grant Deed, Transfer NOT AVAILABLE
Feb 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Prior Sale	Feb 1, 2017 · Amount on File
Deed Document Number	202013989
Deed Book / Page	1017 / 2423
Last Transfer Date	Jan 10, 2022
Transfer Doc	0010521923
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 ACADEMY ST, CANTON, NC 28716-1197

Mortgage

Document Number	0011050895
Date	Apr 3, 2024
Book Page	1105/895
Instrument	2024002627

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	12%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010540832
Date	Jan 31, 2022
Book Page	1054/832
Instrument	2022001043

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	HAYWOOD NC
Recording Date	Jan 24, 2022
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0010531966
Book / Page	1053 / 1966
Map Reference	CAB C SL 7483
Instrument Date	Jan 24, 2022
Instrument	2022000786
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 ACADEMY ST, CANTON, NC 28716-1197

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAYWOOD NC
Recording Date	Jan 10, 2022
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0010521923
Book / Page	1052 / 1923
Map Reference	CAB C SL 7483
Instrument Date	Jan 10, 2022
Instrument	2022000270
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 ACADEMY ST, CANTON, NC 28716-1197

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAYWOOD NC
Recording Date	Feb 18, 2021
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0000212373
Book / Page	1021 / 2373
Map Reference	CAB C SL 7483
Instrument Date	Feb 18, 2021
Instrument	2021001922
Transaction Type	Transfer
Record Updated	Mar 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	130 ACADEMY ST, CANTON, NC 28716-4540

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAYWOOD NC
Recording Date	Feb 18, 2021
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0010212373
Book / Page	1021 / 2373
Map Reference	CAB C SL 7483
Instrument Date	Feb 18, 2021
Instrument	2021001922
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	130 ACADEMY ST, CANTON, NC 28716-4540

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Dec 31, 2020
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0010172423
Book / Page	001017 / 002423
Instrument Date	Dec 31, 2020
Instrument	13989
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 ACADEMY ST CANTON NC 287164540, CANTON, NC 28716-4540

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAYWOOD NC
Recording Date	Dec 31, 2020
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0010172387
Book / Page	001017 / 002387
Instrument Date	Dec 15, 2020
Instrument	13985
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 ACADEMY ST CANTON NC 287164540, CANTON, NC 28716-4540

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Feb 1, 2017
Property Address	318 ACADEMY ST, CANTON, NC 28716-1197
Document Number	0009221061
Book / Page	000922 / 001061
Instrument Date	Feb 1, 2017
Instrument	902
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$396.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 ACADEMY ST CANTON NC 287164540, CANTON, NC 28716-4540

Tax Assessment & Valuation

The 2025 property tax bill for 318 Academy St was $1,743.

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		$288,000 (-) Land $20,100 Building $267,900
2025	$1,743.00	$288,000 Land $20,100 Building $267,900	$288,000 Land $20,100 Building $267,900
2023		$288,000 Land $20,100 Building $267,900	$288,000 Land $20,100 Building $267,900
2021			$288,000 Land $20,100 Building $267,900

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

Flood

FEMA maps place 318 Academy St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1983.

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 Policies	9 in force
Nearby Flood Claims	26 (1983–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Remnants Of Tropical Storm Fred, Aug 2021 · 6 claims Tropical Storm Frances, Sep 2004 · 6 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 318 Academy St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach

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 343 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

May also be available: AT&T, Verizon.

Nearby Properties on Academy St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures