89 Cypress Ln, Canton, NC 28716 Property Records

Haywood County property record for 89 Cypress Ln, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2003
Lot Size	1.02 acres (44,736 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Sep 2026)
Tax Bill	$1,682 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8643-09-1497`

Property Details

APN / Parcel Number

Primary APN	`8643-09-1497`
Alternative APNs	`238555` `289803`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Heated Area
Gross Area	1,920 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Vinyl
Lot Area	44,736 sqft (1.02 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	289803
Street Address	89 CYPRESS LN
City	CANTON
State	NC
Zip	28716-5929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	89 CYPRESS LN
Legal Subdivision	J RANDY HERRON
Jurisdiction	HAYWOOD NC
Township / Civil Division	PIGEON
Census Block Group	1
Census Block	1062
Census Tract	921301

Owner

Source: Haywood County records, as of September 18, 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	89 CYPRESS LN, CANTON, NC 28716-5929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Warranty Deed, Transfer · Conventional Mortgage SECU FCU
Feb 17, 2026	Deed of Trust, Mortgage · VA Mortgage LOANDRONE INC
Oct 8, 2025	Intrafamily Transfer, Transfer
Aug 9, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2026 · Amount on Record
Deed Sale	Sep 9, 2026 · Amount on Record
Prior Sale	Aug 6, 2010 · Amount on Record
Deed Document Number	20267914
Deed Book / Page	1161 / 333
Prior Transfer Date	Aug 3, 2009
Prior Transfer Doc	0007662329
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Sep 9, 2026
Property Address	89 CYPRESS LN, CANTON, NC 28716-5929
Document Number	0000007914
Book / Page	1161 / 333
Instrument Date	Sep 4, 2026
Instrument	20267914
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CYPRESS LN, CANTON, NC 28716-5929

Mortgage

Document Number	0000007915,
Date	Sep 9, 2026
Instrument	20267915

Lender

Name	SECU FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	89 CYPRESS LN, CANTON, NC 28716-5929
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CYPRESS LN, CANTON, NC 28716-5929

Mortgage

Document Number	0011462160
Date	Feb 17, 2026
Book Page	1146/2160
Instrument	2026001282

Lender

Name	LOANDRONE INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAYWOOD NC
Recording Date	Oct 8, 2025
Property Address	89 CYPRESS LN, CANTON, NC 28716-5929
Document Number	0011380396
Book / Page	1138 / 396
Map Reference	DR 3616-2482-B
Instrument Date	Oct 8, 2025
Instrument	2025008556
Transaction Type	Transfer
Record Updated	Oct 21, 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
Relationship	Joint Tenants with Right of Survivorship
Address	89 CYPRESS LN, CANTON, NC 28716-5929

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	89 CYPRESS LN, CANTON, NC 28716-5929
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010690376
Date	Aug 9, 2022
Book Page	1069/376
Instrument	2022008435

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	89 CYPRESS LN, CANTON, NC 28716-5929
Document Number	0010131975
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CYPRESS LN CANTON NC 287165929, CANTON, NC 28716-5929

Mortgage

Document Number	0010131975
Date	Nov 17, 2020
Book Page	001013/001975
Instrument	12044

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

Tax Assessment & Valuation

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		$234,400 (-) Land $50,400 Building $184,000
2025	$1,682.00	$234,400 (-) Land $50,400 Building $184,000	$234,400 (-) Land $50,400 Building $184,000
2023		$234,400 Land $50,400 Building $184,000	$234,400 (-) Land $50,400 Building $184,000
2021			$234,400 Land $50,400 Building $184,000

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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	13 (2004–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 5 claims Remnants Of Tropical Storm Fred, Aug 2021 · 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	Moderate above 59% of the US · above 82% of North Carolina
Wildfire Likelihood	0.2% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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