402 Academy St, Canton, NC 28716 Property Records

Haywood County property record for 402 Academy St, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,240 sqft · built 1920
Lot Size	0.336 acres (14,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Mar 2022)
Tax Bill	$1,344 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8657-90-4043`

Property Details

APN / Parcel Number

Primary APN	`8657-90-4043`
Alternative APN	`272422`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Heated Area
Gross Area	2,000 sqft
1st Floor Area	1,240 sqft
Upper Floors Area	620 sqft
Basement Area	690 sqft
Unfinished Basement	690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Material	Asphalt
Lot Area	14,636 sqft (0.336 acres)
Garage Area	308 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Steam
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	272422
Street Address	402 ACADEMY ST
City	CANTON
State	NC
Zip	28716-1199
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR2
Legal Description	402 ACADEMY ST
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	1
Census Block	1011
Census Tract	920300

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	259 WRIGHTS RDG, WAYNESVILLE, NC 28786-6203
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit CHAMPION CU
Mar 31, 2022	Warranty Deed, Transfer · VA Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Aug 22, 1985 · Amount on Record
Deed Document Number	20223517
Deed Book / Page	1059 / 761
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	402 ACADEMY ST, CANTON, NC 28716-1199
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 WRIGHTS RDG, WAYNESVILLE, NC 28786-6203

Mortgage

Document Number	0010680205
Date	Jul 25, 2022
Book Page	1068/205
Instrument	2022007871

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	25 Months
Due	Aug 9, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Mar 31, 2022
Property Address	402 ACADEMY ST, CANTON, NC 28716-1199
Document Number	0010590761
Book / Page	1059 / 761
Instrument Date	Mar 30, 2022
Instrument	2022003517
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 WALNUT RIDGE DR, 221, CLYDE, NC 28721-9200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 WRIGHTS RDG, WAYNESVILLE, NC 28786-6203

Mortgage

Document Number	0001059766
Date	Mar 31, 2022
Instrument	1059/766

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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		$215,600 (-) Land $23,000 Building $192,600
2025	$1,344.00	$215,600 (-) Land $23,000 Building $192,600	$215,600 (-) Land $23,000 Building $192,600
2023		$215,600 Land $23,000 Building $192,600	$215,600 (-) Land $23,000 Building $192,600
2021			$215,600 Land $23,000 Building $192,600

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 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

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.05% 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 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.

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