720 Cobblestone Dr, Waynesville, NC 28786 Property Records

Haywood County property record for 720 Cobblestone Dr, Waynesville, NC 28786

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,358 sqft · built 2006
Lot Size	2.11 acres (91,912 sqft)
Owner	Individual Name on File
Last Sale	$875,500 (Feb 2024)
Tax Bill	$3,057 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8635-56-8185`

Property Details

APN / Parcel Number

Primary APN	`8635-56-8185`
Alternative APNs	`261496` `282623`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,358 sqft Heated Area
Gross Area	2,780 sqft
1st Floor Area	1,358 sqft
Upper Floors Area	380 sqft
Basement Area	1,392 sqft
Finished Basement	1,392 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Lot Area	91,912 sqft (2.11 acres)
Porch	Patio

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	282623
Street Address	720 COBBLESTONE DR
City	WAYNESVILLE
State	NC
Zip	28786-8526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#52 SECT 3 PISGAH VIEW ESTATES
Legal Subdivision	PISGAH VIEW ESTATES
Legal Unit	52
Jurisdiction	HAYWOOD NC
Township / Civil Division	PIGEON
Census Block Group	2
Census Block	2030
Census Tract	921301

Owner

720 Cobblestone Dr is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	720 COBBLESTONE DR, WAYNESVILLE, NC 28786-8526
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
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Feb 2, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 3, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2024 · Amount on File
Deed Sale	Feb 2, 2024 · Amount on File
Prior Sale	Apr 3, 2020 · Amount on File
Deed Document Number	2024907
Deed Book / Page	1102 / 247
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	720 COBBLESTONE DR, WAYNESVILLE, NC 28786-8526
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 COBBLESTONE DR, WAYNESVILLE, NC 28786-8526
Investor	Possibly a Property Investor

Mortgage

Document Number	0011491189
Date	Mar 27, 2026
Book Page	1149/1189
Instrument	2026002459

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 20, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Feb 2, 2024
Property Address	720 COBBLESTONE DR, WAYNESVILLE, NC 28786-8526
Document Number	0011020247
Book / Page	1102 / 247
Map Reference	MB 994 PG 1857
Instrument Date	Jan 26, 2024
Instrument	2024000907
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,751.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 898, WAYNESVILLE, NC 28786-0898

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 COBBLESTONE DR, WAYNESVILLE, NC 28786-8526
Investor	Possibly a Property Investor

Mortgage

Document Number	2024000908
Date	Feb 2, 2024
Instrument	2024000908

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Apr 3, 2020
Property Address	720 COBBLESTONE DR, WAYNESVILLE, NC 28786-8526
Document Number	0009941859
Book / Page	000994 / 001859
Instrument Date	Apr 3, 2020
Instrument	3072
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 898 HAZELWOOD NC 287860898, HAZELWOOD, NC 28786-0898

Mortgage

Document Number	9941860
Date	Apr 3, 2020
Book Page	000994/001860
Instrument	3073

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 720 Cobblestone Dr was $3,057.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$445,900 (-) Land $54,200 Building $391,700
2025	$3,057.00	$445,900 Land $54,200 Building $391,700	$445,900 Land $54,200 Building $391,700
2023		$445,900 Land $54,200 Building $391,700	$445,900 Land $54,200 Building $391,700
2021			$445,900 Land $54,200 Building $391,700

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

Flood

FEMA maps place 720 Cobblestone Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1994.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	18 (1994–2024)
Claims Outside the SFHA	3 of 18
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 9 claims Remnants Of Tropical Storm Fred, Aug 2021 · 2 claims Hurricane Ivan, Sep 2004 · 4 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 720 Cobblestone Dr is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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