Haywood County property record for 38 Westbrook Cir, Clyde, NC 28721
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 528 sqft · built 1979 |
| Lot Size | 0.125 acres (5,449 sqft) |
| Owner | Individual Name on File |
| Last Sale | $214,000 (May 2025) |
| Tax Bill | $1,239 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8637-04-4284 |
| Primary APN | 8637-04-4284 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 528 sqft Heated Area |
| Gross Area | 944 sqft |
| 1st Floor Area | 528 sqft |
| Upper Floors Area | 396 sqft |
| Utility Area | 32 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Material | Asphalt |
| Lot Area | 5,449 sqft (0.125 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | Partial |
|---|---|
| Heating System | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 288354 |
|---|---|
| Street Address | 38 WESTBROOK CIR |
| City | CLYDE |
| State | NC |
| Zip | 28721-9710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR1 |
| Legal Description | #3 WESTBROOK |
| Legal Subdivision | WESTBROOK |
| Legal Unit | 3 |
| Jurisdiction | HAYWOOD NC |
| Township / Civil Division | CLYDE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 920502 |
38 Westbrook Cir is owned and occupied by an individual who bought it in May 2025.
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 | Individual Name on File |
|---|---|
| Mailing Address | 38 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 22, 2025 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jul 22, 2021 | Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2025 · Amount on File |
| Deed Sale | May 22, 2025 · Amount on File |
| Prior Sale | Jul 22, 2021 · Amount on File |
| Deed Document Number | 20254088 |
| Deed Book / Page | 1129 / 132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Recording Date | May 22, 2025 |
| Property Address | 38 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0011290132 |
| Book / Page | 1129 / 132 |
| Map Reference | CAB A SL 23 |
| Instrument Date | May 19, 2025 |
| Instrument | 2025004088 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $428.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 310 WHISPY WILLOW CT, FLETCHER, NC 28732-8221 |
| Name | Verified Name |
|---|---|
| Address | 38 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0001129135 |
|---|---|
| Date | May 22, 2025 |
| Instrument | 1129/135 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.15% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.15% |
| Max Rate At Change | 8.15% |
| Index | 5-Year CMT |
| Max Rate | 12.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Recording Date | Jul 22, 2021 |
| Property Address | 38 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0010361833 |
| Book / Page | 1036 / 1833 |
| Map Reference | CAB A SL 23 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021008907 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $354.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3470 BROAD STREET, CANTON, NC 28716 |
| Name | Verified Name |
|---|---|
| Address | 38 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0010361836 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 1036/1836 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 38 Westbrook Cir was $1,239.
Source: Haywood County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Haywood County |
| Unified School District | Haywood County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $144,000 (-) Land $15,000 Building $129,000 | ||
| 2025 | $1,239.00 | $144,000 Land $15,000 Building $129,000 | $144,000 Land $15,000 Building $129,000 |
| 2023 | $144,000 Land $15,000 Building $129,000 | $144,000 Land $15,000 Building $129,000 | |
| 2021 | $144,000 Land $15,000 Building $129,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Westbrook Cir in Zone X, an area of minimal flood risk, though there have been 2 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2021–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 38 Westbrook Cir is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JUNALUSKA SANITARY DISTRICT serves 5,138 people · EPA ID NC0144035 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Skyrunner Fixed Wireless · Fiber in parts of the area | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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