97 Split Rail Ln, Waynesville, NC 28786 Property Records

Haywood County property record for 97 Split Rail Ln, Waynesville, NC 28786

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 661 sqft · built 2000
Lot Size	4.33 acres (188,615 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Nov 2020)
Tax Bill	$2,746 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8606-54-1226`

Property Details

APN / Parcel Number

Primary APN	`8606-54-1226`
Alternative APN	`264397`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	661 sqft Heated Area
Gross Area	2,060 sqft
1st Floor Area	661 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Fiber Cement Siding
Roof Material	Asphalt
Lot Area	188,615 sqft (4.33 acres)
Garage Area	300 sqft
Porch	Slab
Balcony Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump

Location & Zoning

Account Number	264397
Street Address	97 SPLIT RAIL LN
City	WAYNESVILLE
State	NC
Zip	28786-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#21-24 & #33-34 SECT A APPLE CREEK ACRES
Legal Subdivision	APPLE CREEK ACRES
Legal Unit	21
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	3
Census Block	3000
Census Tract	920800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	413 FORT JOHNSON RD, CHARLESTON, SC 29412-9114
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on Record
Deed Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	202012007
Deed Book / Page	1013 / 1783
Prior Transfer Date	Oct 19, 2011
Prior Transfer Doc	0008120044
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Nov 16, 2020
Property Address	97 SPLIT RAIL LN, WAYNESVILLE, NC 28786-7223
Document Number	0010131783
Book / Page	1013 / 1783
Map Reference	PL N PG 88-72
Instrument Date	Oct 30, 2020
Instrument	2020012007
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 MAGNOLIA AVE, 39, YANKEETOWN, FL 34498-2430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 FORT JOHNSON RD, CHARLESTON, SC 29412-9114

Mortgage

Document Number	0010131786
Date	Nov 16, 2020
Instrument	1013/1786

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

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		$398,100 (-) Land $71,600 Building $326,500
2025	$2,746.00	$398,100 (+1.48%) Land $71,600 Building $326,500	$398,100 (+1.48%) Land $71,600 Building $326,500
2023		$392,300 Land $71,600 Building $320,700	$392,300 (-) Land $71,600 Building $320,700
2021			$392,300 Land $71,600 Building $320,700

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
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

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

Wildfire Risk	Moderate above 48% of the US · above 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE JUNALUSKA ASSEMBLY private · serves 2,223 people · EPA ID NC0144107
Water Source	Purchased surface water from TOWN OF WAYNESVILLE
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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
T-Mobile Fixed Wireless	100 / 20