540 N Main St, Canton, NC 28716 Property Records

Haywood County property record for 540 N Main St, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 936 sqft · built 1907
Lot Size	0.494 acres (21,501 sqft)
Owner	2 Trust Names on File
Last Sale	$305,000 (Sep 2022)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Dec 2025 Transfer Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8667-04-6101`

Property Details

APN / Parcel Number

Primary APN	`8667-04-6101`
Alternative APNs	`275156` `290835`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	936 sqft Heated Area
Gross Area	1,860 sqft
1st Floor Area	936 sqft
Upper Floors Area	468 sqft
Basement Area	1,392 sqft
Unfinished Basement	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Asphalt
Lot Area	21,501 sqft (0.494 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	290835
Street Address	540 N MAIN ST
City	CANTON
State	NC
Zip	28716-4287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR2
Legal Description	540 N MAIN ST
Legal Subdivision	MOORES SURVEYING
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	4
Census Block	4008
Census Tract	920202

Owner

540 N Main St is owner-occupied and held in a trust since September 2022.

Source: Haywood County records, as of October 9, 2026

Owner of Record	2 Trust Names on File
Mailing Address	540 N MAIN ST, CANTON, NC 28716-4287
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 18, 2025	Intrafamily Transfer, Transfer
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Feb 22, 2022	Quit Claim Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 3, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Feb 22, 2022 · Amount on File
Deed Document Number	202210233
Deed Book / Page	1072 / 1814
Prior Transfer Date	Feb 16, 2022
Prior Transfer Doc	0010560076
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAYWOOD NC
Recording Date	Dec 18, 2025
Property Address	540 N MAIN ST, CANTON, NC 28716-4287
Document Number	0011430792
Book / Page	1143 / 792
Instrument Date	Dec 4, 2025
Instrument	2025010944
Transaction Type	Transfer
Record Updated	Dec 31, 2025

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	540 N MAIN ST, CANTON, NC 28716-4287

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Sep 27, 2022
Property Address	540 N MAIN ST, CANTON, NC 28716-4287
Document Number	0010721814
Book / Page	1072 / 1814
Instrument Date	Sep 21, 2022
Instrument	2022010233
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	87 WILLOW RD # RDC4, RDC4, WAYNESVILLE, NC 28786-5577

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 N MAIN ST, CANTON, NC 28716-4287

Mortgage

Document Number	0010721817
Date	Sep 27, 2022
Instrument	1072-1817

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAYWOOD NC
Recording Date	Feb 22, 2022
Property Address	540 N MAIN ST, CANTON, NC 28716-4287
Document Number	0010560076
Book / Page	1056 / 76
Instrument Date	Feb 16, 2022
Instrument	2022001931
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 N MAIN ST, CANTON, NC 28716-4287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 N MAIN ST, CANTON, NC 28716-4287

Mortgage

Document Number	0000105679
Date	Feb 22, 2022
Instrument	1056/79

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Nov 3, 2017
Property Address	540 N MAIN ST, CANTON, NC 28716-4287
Document Number	0009400062
Book / Page	940 / 0062
Instrument Date	Nov 3, 2017
Instrument	2017010283
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2225 BALD CREEK RD, 2225, CLYDE, NC 28721-7765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 N MAIN ST, CANTON, NC 28716-3942

Mortgage

Document Number	2017010284
Date	Nov 3, 2017
Instrument	2017010284

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 540 N Main St was $1,358.

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		$218,100 (-) Land $25,900 Building $192,200
2025	$1,358.00	$218,100 Land $25,900 Building $192,200	$218,100 Land $25,900 Building $192,200
2023		$216,100 Land $25,900 Building $190,200	$216,100 Land $25,900 Building $190,200
2021			$216,100 Land $25,900 Building $190,200

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

Flood

FEMA maps place 540 N Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	2 in force
Nearby Flood Claims	1 (2024)
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

Wildfire risk around 540 N Main St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 274 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

May also be available: AT&T, T-Mobile.

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