29 Penny Ln, Clyde, NC 28721 Property Records

Haywood County property record for 29 Penny Ln, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1976
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$206,000 (Jul 2020)
Tax Bill	$1,428 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8636-95-1202`

Property Details

APN / Parcel Number

Primary APN	`8636-95-1202`
Alternative APN	`262327`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Heated Area
Gross Area	1,523 sqft
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	1,176 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	262327
Street Address	29 PENNY LN
City	CLYDE
State	NC
Zip	28721-8232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR1A
Legal Description	#10 PINE HAVEN
Legal Subdivision	PINE HAVEN
Legal Unit	10
Jurisdiction	HAYWOOD NC
Township / Civil Division	CLYDE
Census Block Group	1
Census Block	1009
Census Tract	920502

Owner

29 Penny Ln is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	29 PENNY LN, CLYDE, NC 28721-8232
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
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 14, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Prior Sale	Mar 24, 2016 · Amount on File
Deed Document Number	20206524
Deed Book / Page	1002 / 13
Prior Transfer Date	Apr 9, 2009
Prior Transfer Doc	0007571535
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	29 PENNY LN, CLYDE, NC 28721-8232
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010502071
Date	Dec 15, 2021
Book Page	1050/2071
Instrument	2021015485

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Jul 14, 2020
Property Address	29 PENNY LN, CLYDE, NC 28721-8232
Document Number	0010020013
Book / Page	1002 / 13
Map Reference	CAB D PG 719
Instrument Date	Jul 14, 2020
Instrument	2020006524
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 MAPLE GROVE CHURCH RD, 107, WAYNESVILLE, NC 28786-5812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 PENNY LN, CLYDE, NC 28721-8232

Mortgage

Document Number	0000100216
Date	Jul 14, 2020
Instrument	1002/16

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 29 Penny Ln was $1,428.

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		$195,300 (-) Land $23,600 Building $171,700
2025	$1,428.00	$195,300 Land $23,600 Building $171,700	$195,300 Land $23,600 Building $171,700
2023		$195,300 Land $23,600 Building $171,700	$195,300 Land $23,600 Building $171,700
2021			$195,300 Land $23,600 Building $171,700

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

Flood

FEMA maps place 29 Penny Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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	4 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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 29 Penny 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 79% 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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fiber · Fixed Wireless	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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