317 James St, Clyde, NC 28721 Property Records

Haywood County property record for 317 James St, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,152 sqft · built 1974
Lot Size	0.288 acres (12,545 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Dec 2017)
Tax Bill	$1,438 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8647-74-9482`

Property Details

APN / Parcel Number

Primary APN	`8647-74-9482`
Alternative APN	`250660`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Heated Area
Gross Area	1,600 sqft
1st Floor Area	1,152 sqft
Basement Area	1,408 sqft
Finished Basement	1,408 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	12,545 sqft (0.288 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	250660
Street Address	317 JAMES ST
City	CLYDE
State	NC
Zip	28721-6902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT #32 GREEN ACRES
Legal Subdivision	GREEN ACRES
Legal Unit	32
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	1
Census Block	1015
Census Tract	920400

Owner

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	Individual Name on Record
Mailing Address	317 JAMES ST, CLYDE, NC 28721-6902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage QUICKEN LNS
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 11, 2017	Warranty Deed, Transfer CHAMPION CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Prior Sale	Apr 16, 2007 · Amount on Record
Deed Document Number	201711463
Deed Book / Page	942 / 929
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	317 JAMES ST, CLYDE, NC 28721-6902
Document Number	0010000115
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	317 JAMES ST CLYDE NC 287216902, CLYDE, NC 28721-6902

Mortgage

Document Number	0010000115
Date	Jun 19, 2020
Book Page	001000/000115
Instrument	5576

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 18, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	317 JAMES ST, CLYDE, NC 28721-6902
Document Number	0009822189
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	317 JAMES ST CLYDE NC 287216902, CLYDE, NC 28721-6902

Mortgage

Document Number	0009822189
Date	Oct 8, 2019
Book Page	000982/002189
Instrument	9197

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Dec 11, 2017
Property Address	317 JAMES ST, CLYDE, NC 28721-6902
Document Number	0009420929
Book / Page	000942 / 000929
Instrument Date	Dec 11, 2017
Instrument	11463
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$394.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	317 JAMES ST CLYDE NC 287216902, CLYDE, NC 28721-6902

Mortgage

Document Number	9420932
Date	Dec 11, 2017
Book Page	000942/000932
Instrument	11464

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$196,800 (-) Land $22,000 Building $174,800
2025	$1,438.00	$196,800 (-) Land $22,000 Building $174,800	$196,800 (-) Land $22,000 Building $174,800
2023		$196,800 Land $22,000 Building $174,800	$196,800 (-) Land $22,000 Building $174,800
2021			$196,800 Land $22,000 Building $174,800

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 Claims	9 (1983–1994)
Most Recent Claim	Aug 1994 · 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 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 CANTON serves 7,850 people · EPA ID NC0144015
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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