Haywood County property record for 178 Spencer St, Clyde, NC 28721
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 2,240 sqft · built 2022 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Dec 2025) |
| Tax Bill | $1,306 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8637-73-0469 |
| Primary APN | 8637-73-0469 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,240 sqft Heated Area |
| Gross Area | 2,272 sqft |
| 1st Floor Area | 2,240 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Mobile Home |
| Exterior Material | Vinyl |
| Lot Area | 19,602 sqft (0.45 acres) |
| Cooling System | Partial |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 290777 |
|---|---|
| Street Address | 178 SPENCER ST |
| City | CLYDE |
| State | NC |
| Zip | 28721-7545 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 178 SPENCER ST #2 |
| Legal Tract | 2 |
| Legal Unit | 2 |
| Jurisdiction | HAYWOOD NC |
| Township / Civil Division | CLYDE |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 920501 |
Source: Haywood County records, as of July 14, 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 | 178 SPENCER ST, CLYDE, NC 28721-7545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 9, 2023 | Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO |
| Dec 12, 2025 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 28, 2023 | Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2025 · Amount on Record |
| Deed Sale | Dec 12, 2025 · Amount on Record |
| Prior Sale | Jul 28, 2023 · Amount on Record |
| Deed Document Number | 202510764 |
| Deed Book / Page | 1142 / 2337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Property Address | 178 SPENCER ST, CLYDE, NC 28721-7545 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0010971390 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | 1097/1390 |
| Instrument | 2023009706 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Recording Date | Dec 12, 2025 |
| Property Address | 178 SPENCER ST, CLYDE, NC 28721-7545 |
| Document Number | 0011422337 |
| Book / Page | 1142 / 2337 |
| Map Reference | CAB C SL 5156 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 2025010764 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 MOUNTAIN VIEW RD, ASHEVILLE, NC 28806-9510 |
| Name | Verified Name |
|---|---|
| Address | 178 SPENCER ST, CLYDE, NC 28721-7545 |
| Document Number | 0011422341 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 1142/2341 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Recording Date | Jul 28, 2023 |
| Property Address | 178 SPENCER ST, CLYDE, NC 28721-7545 |
| Document Number | 0010910722 |
| Book / Page | 1091 / 722 |
| Map Reference | CAB C SL 5156 |
| Instrument Date | Jul 27, 2023 |
| Instrument | 2023006450 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $670.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 755 BIG BRANCH RD1000, RD1000, CLYDE, NC 28721 |
| Name | Verified Name |
|---|---|
| Address | 178 SPENCER ST, CLYDE, NC 28721-7545 |
| Document Number | 2023006451 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 2023006451 |
| Name | DELMAR FINANCIAL |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
Source: Haywood County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Haywood County |
| Municipality | Clyde Town |
| Unified School District | Haywood County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $176,500 (-) Land $25,400 Building $151,100 | ||
| 2025 | $1,306.00 | $176,500 (+594.88%) Land $25,400 Building $151,100 | $176,500 (+594.88%) Land $25,400 Building $151,100 |
| 2023 | $25,400 Land $25,400 | $25,400 (-) Land $25,400 | |
| 2022 | $158.00 | ||
| 2021 | $25,400 Land $25,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 10 (2021–2024) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CLYDE serves 3,228 people · EPA ID NC0144025 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 152 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 |
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