255 Saddlebrook Ln, Clyde, NC 28721 Property Records

Haywood County property record for 255 Saddlebrook Ln, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,746 sqft · built 1990
Lot Size	1.49 acres (65,035 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Jun 1990)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8639-64-0707`

Property Details

APN / Parcel Number

Primary APN	`8639-64-0707`
Alternative APN	`253378`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,746 sqft Heated Area
Gross Area	3,413 sqft
1st Floor Area	1,746 sqft
Upper Floors Area	437 sqft
Basement Area	1,710 sqft
Unfinished Basement	1,710 sqft
Utility Area	176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Roof Material	Asphalt
Lot Area	65,035 sqft (1.49 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	253378
Street Address	255 SADDLEBROOK LN
City	CLYDE
State	NC
Zip	28721-7864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#5 SADDLEBROOK FARMS
Legal Subdivision	SADDLEBROOK FARMS
Legal Unit	5
Jurisdiction	HAYWOOD NC
Township / Civil Division	CRABTREE
Census Block Group	2
Census Block	2029
Census Tract	920102

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	2 Individual Names on Record
Mailing Address	255 SADDLEBROOK LN, CLYDE, NC 28721-7864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 1990 · Amount on Record
Deed Sale	Jun 15, 1990 · Amount on Record
Deed Book / Page	409 / 137
Last Transfer Date	Sep 24, 2018
Transfer Doc	0009600837
Record Updated	Sep 20, 2026

September 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	HAYWOOD NC
Recording Date	Sep 28, 2018
Property Address	255 SADDLEBROOK LN, CLYDE, NC 28721-7864
Document Number	0009600837
Book / Page	000960 / 000837
Instrument Date	Sep 24, 2018
Instrument	8725
Transaction Type	Transfer
Record Updated	Oct 19, 2018
Title Company	FNC TITLE SERVICES

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	255 SADDLEBROOK LN CLYDE NC 287217864, CLYDE, NC 28721-7864

Mortgage

Document Number	9600839
Date	Sep 28, 2018
Book Page	000960/000839
Instrument	8726

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Sep 27, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.78%

Mortgage

Document Number	9600853,
Date	Sep 28, 2018
Book Page	000960/000853
Instrument	8727

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Sep 27, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.78%

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		$360,300 (-) Land $49,400 Building $310,900
2025	$2,500.00	$360,300 (-) Land $49,400 Building $310,900	$360,300 (-) Land $49,400 Building $310,900
2023		$360,300 Land $49,400 Building $310,900	$360,300 (-) Land $49,400 Building $310,900
2021			$360,300 Land $49,400 Building $310,900

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 65% of the US · above 87% of North Carolina
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20

May also be available: Skyrunner.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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