227 Black Bear Cv, Clyde, NC 28721 Property Records

Haywood County property record for 227 Black Bear Cv, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,681 sqft · built 2005
Lot Size	8.29 acres (361,330 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Feb 2009)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8731-09-5863`

Property Details

APN / Parcel Number

Primary APN	`8731-09-5863`
Alternative APNs	`8731096768` `202681`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,681 sqft Heated Area
Gross Area	3,128 sqft
1st Floor Area	1,681 sqft
Upper Floors Area	1,317 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Lot Area	361,330 sqft (8.29 acres)
Terrain	Wooded
Garage Area	617 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	202681
Street Address	227 BLACK BEAR CV
City	CLYDE
State	NC
Zip	28721-6433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	227 BLACK BEAR CV #1
Legal Subdivision	J RANDY HERRON
Legal Tract	1
Legal Unit	1
Jurisdiction	HAYWOOD NC
Township / Civil Division	FINES CREEK
Census Block Group	2
Census Block	2001
Census Tract	920102

Owner

Source: Haywood County records, as of October 13, 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	227 BLACK BEAR CV, CLYDE, NC 28721-6433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit ENTEGRA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2009 · Amount on Record
Deed Sale	Feb 24, 2009 · Amount on Record
Deed Document Number	20091674
Deed Book / Page	754 / 1146
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	227 BLACK BEAR CV, CLYDE, NC 28721-6433
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 BLACK BEAR CV, CLYDE, NC 28721-6433

Mortgage

Document Number	0011420711
Date	Dec 5, 2025
Book Page	1142/711
Instrument	2025010490

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	227 BLACK BEAR CV, CLYDE, NC 28721-6433
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000210515
Date	Feb 9, 2021
Book Page	1021/515
Instrument	2021001536

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	227 BLACK BEAR CV, CLYDE, NC 28721-6433
Document Number	0009662055
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	227 BLACK BEAR CV CLYDE NC 287216433, CLYDE, NC 28721-6433

Mortgage

Document Number	0009662055
Date	Jan 25, 2019
Book Page	000966/002055
Instrument	608

Lender

Name	ENTEGRA BK
Address	FRANKLIN, NC 28734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 24, 2029

Interest

Rate Type	Adjustable Rate

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		$487,900 (-2.26%) Land $77,700 Building $410,200
2025	$3,281.00	$499,200 (+2.32%) Land $89,000 Building $410,200	$487,900 (-) Land $77,700 Building $410,200
2023		$487,900 Land $77,700 Building $410,200	$487,900 (-) Land $77,700 Building $410,200
2021			$487,900 Land $77,700 Building $410,200

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	5 in force
Nearby Flood Claims	3 (1994–1999)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1999 · river or lake flooding

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 56% of the US · above 78% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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