63 Cochran St, Waynesville, NC 28786 Property Records

Haywood County property record for 63 Cochran St, Waynesville, NC 28786

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,512 sqft · built 1990
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Nov 2022)
Tax Bill	$645 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8605-71-4744`

Property Details

APN / Parcel Number

Primary APN	`8605-71-4744`
Alternative APN	`263955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Heated Area
Gross Area	2,098 sqft
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Mobile Home
Exterior Material	Wood Siding
Lot Area	32,670 sqft (0.75 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	HVAC
Sewer	Septic

Location & Zoning

Account Number	263955
Street Address	63 COCHRAN ST
City	WAYNESVILLE
State	NC
Zip	28786-2230
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	HND
Legal Description	63 COCHRAN ST
Legal Subdivision	J RANDY HERRON
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	2
Census Block	2007
Census Tract	921201

Owner

63 Cochran St, a mobile home, is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	63 COCHRAN ST, WAYNESVILLE, NC 28786-2230
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	Nov 21, 2022 · Amount on File
Deed Sale	Nov 21, 2022 · Amount on File
Prior Sale	Dec 4, 2009 · Amount on File
Deed Document Number	202212115
Deed Book / Page	1076 / 829
Prior Transfer Date	Nov 18, 2005
Prior Transfer Doc	0006510243
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Nov 21, 2022
Property Address	63 COCHRAN ST, WAYNESVILLE, NC 28786
Document Number	0010760829
Book / Page	1076 / 829
Instrument Date	Nov 17, 2022
Instrument	2022012115
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	541 PENNY RD, BEULAVILLE, NC 28518-8653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 COCHRAN ST, WAYNESVILLE, NC 28786

Mortgage

Document Number	0010760832
Date	Nov 21, 2022
Instrument	1076-0832

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.65%
Index	5-Year CMT
Max Rate	6.65%

Tax Assessment & Valuation

The 2025 property tax bill for 63 Cochran St was $645.

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		$88,500 (-) Land $14,800 Building $73,700
2025	$645.00	$88,500 Land $14,800 Building $73,700	$88,500 Land $14,800 Building $73,700
2023		$88,500 Land $14,800 Building $73,700	$88,500 Land $14,800 Building $73,700
2021			$88,500 Land $14,800 Building $73,700

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

Flood

FEMA maps place 63 Cochran St 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 AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 73 policies
Nearby Flood Policies	73 in force
Nearby Flood Claims	29 (2015–2026)
Most Recent Claim	Aug 2026 · other causes
Claims by Event	Tropical Storm Helene, Sep 2024 · 26 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 63 Cochran St is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 158 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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