46 Sapling Ln, Waynesville, NC 28786 Property Records

Haywood County property record for 46 Sapling Ln, Waynesville, NC 28786

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,249 sqft · built 2015
Lot Size	0.063 acres (2,744 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Dec 2015)
Tax Bill	$1,541 (2025)
Deeds & Mortgages	Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8626-03-0874`

Property Details

APN / Parcel Number

Primary APN	`8626-03-0874`
Alternative APN	`242397`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,249 sqft Heated Area
Gross Area	1,802 sqft
1st Floor Area	1,249 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Lot Area	2,744 sqft (0.063 acres)
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump

Location & Zoning

Account Number	242397
Street Address	46 SAPLING LN
City	WAYNESVILLE
State	NC
Zip	28786-7066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCND
Legal Description	#5 PINE SHADOWS
Legal Subdivision	PINE SHADOWS
Legal Unit	5
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	1
Census Block	1023
Census Tract	921000

Owner

46 Sapling Ln is owned and occupied by an individual who bought it in December 2015.

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

Owner of Record	Individual Name on File
Mailing Address	46 SAPLING LN, WAYNESVILLE, NC 28786-7066
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2015 · Amount on File
Deed Sale	Dec 10, 2015 · Amount on File
Prior Sale	Oct 11, 2012 · Amount on File
Deed Document Number	201510318
Deed Book / Page	897 / 2475
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	46 SAPLING LN, WAYNESVILLE, NC 28786-7066
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009621195
Date	Nov 1, 2018
Book Page	962/1195
Instrument	2018009866

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	WAYNESVILLE, NC 28786

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	298 Months
Due	Sep 20, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 46 Sapling Ln was $1,541.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$251,300 (-) Land $30,000 Building $221,300
2025	$1,541.00	$251,300 Land $30,000 Building $221,300	$251,300 Land $30,000 Building $221,300
2023		$251,300 Land $30,000 Building $221,300	$251,300 Land $30,000 Building $221,300
2021			$251,300 Land $30,000 Building $221,300

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

Flood

FEMA maps place 46 Sapling Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 46 Sapling Ln is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.09% 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 WAYNESVILLE serves 19,758 people · EPA ID NC0144010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2024
Treatment and Procedure	None last 10 years
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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20