183 Shadow Oak Ln, Clyde, NC 28721 Property Records

Haywood County property record for 183 Shadow Oak Ln, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 2006
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jul 2017)
Tax Bill	$1,724 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8647-05-1412`

Property Details

APN / Parcel Number

Primary APN	`8647-05-1412`
Alternative APN	`248563`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Heated Area
Gross Area	1,860 sqft
1st Floor Area	1,508 sqft
Basement Area	1,508 sqft
Finished Basement	1,508 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Vinyl
Lot Area	34,412 sqft (0.79 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	248563
Street Address	183 SHADOW OAK LN
City	CLYDE
State	NC
Zip	28721-7058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1A
Legal Description	#13 SECT B DOGWOOD ACRES
Legal Subdivision	DOGWOOD ACRES
Legal Unit	13
Jurisdiction	HAYWOOD NC
Township / Civil Division	CLYDE
Census Block Group	1
Census Block	1038
Census Tract	920501

Owner

183 Shadow Oak Ln is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	183 SHADOW OAK LN, CLYDE, NC 28721-7058
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
May 15, 2020	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
Jul 12, 2017	Warranty Deed, Transfer LENDER PRIVATE PARTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Oct 6, 2008 · Amount on File
Deed Document Number	20176253
Deed Book / Page	932 / 485
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	183 SHADOW OAK LN, CLYDE, NC 28721-7058
Document Number	0009972473
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 SHADOW OAK LN CLYDE NC 287217058, CLYDE, NC 28721-7058

Mortgage

Document Number	0009972473
Date	May 21, 2020
Book Page	000997/002473
Instrument	4556

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 20, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Jul 12, 2017
Property Address	183 SHADOW OAK LN, CLYDE, NC 28721-7058
Document Number	0009320485
Book / Page	000932 / 000485
Instrument Date	Jul 12, 2017
Instrument	6253
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	183 SHADOW OAK LN HAZELWOOD NC 28786, HAZELWOOD, NC 28786

Mortgage

Document Number	9320489
Date	Jul 12, 2017
Book Page	000932/000489
Instrument	6254

Lender

Name	LENDER PRIVATE PARTY
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 183 Shadow Oak Ln was $1,724.

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		$240,900 (-) Land $31,200 Building $209,700
2025	$1,724.00	$240,900 Land $31,200 Building $209,700	$240,900 Land $31,200 Building $209,700
2023		$240,900 Land $31,200 Building $209,700	$240,900 Land $31,200 Building $209,700
2021			$240,900 Land $31,200 Building $209,700

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

Flood

FEMA maps place 183 Shadow Oak Ln in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2021.

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 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	Tropical Storm Helene, Sep 2024 · 8 claims Remnants Of Tropical Storm Fred, Aug 2021 · 2 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 183 Shadow Oak Ln is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 80% 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 23 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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