Haywood County property record for 390 James St, Clyde, NC 28721
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,248 sqft · built 1973 |
| Lot Size | 0.331 acres (14,418 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $51,000 (Feb 1988) |
| Tax Bill | $1,319 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8647-84-1786 |
| Primary APN | 8647-84-1786 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Heated Area |
| Gross Area | 1,584 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Roof Material | Asphalt |
| Lot Area | 14,418 sqft (0.331 acres) |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 56946 |
|---|---|
| Street Address | 390 JAMES ST |
| City | CLYDE |
| State | NC |
| Zip | 28721-6902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | #20 GREEN ACRES |
| Legal Subdivision | GREEN ACRES |
| Legal Unit | 20 |
| Jurisdiction | HAYWOOD NC |
| Township / Civil Division | BEAVERDAM |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 920400 |
390 James St is owned and occupied by two individuals who bought it in February 1988.
Source: Haywood County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 390 JAMES ST, CLYDE, NC 28721-6902 |
| 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.
| Date | Document |
|---|---|
| Aug 28, 2025 | Deed of Trust, Mortgage · VA Mortgage EMM LOANS LLC |
| Dec 12, 2020 | Deed of Trust, Mortgage · Conventional with PMI POLARIS HM FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 1988 · Amount on File |
| Deed Sale | Feb 15, 1988 · Amount on File |
| Deed Book / Page | 387 / 1287 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Property Address | 390 JAMES ST, CLYDE, NC 28721-6902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | TOWNSGATE CLOSING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 390 JAMES ST, CLYDE, NC 28721-6902 |
| Document Number | 0011350862 |
|---|---|
| Date | Aug 28, 2025 |
| Book Page | 1135/862 |
| Instrument | 2025007208 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Property Address | 390 JAMES ST, CLYDE, NC 28721-6902 |
| Document Number | 0010171077 |
| Instrument Date | Dec 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2021 |
| Title Company | TERRA TITLE COMPANY, TERRA TITLE CO. |
| Name | Verified Name |
|---|
| Document Number | 0010171077 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 001017/001077 |
| Instrument | 13756 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | 151 44TH ST SW, GRANDVILLE, MI 49418-3329 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 22, 2050 |
The 2025 property tax bill for 390 James St was $1,319.
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 | $178,500 Land $22,300 Building $156,200 | ||
| 2025 | $1,319.00 | $178,500 Land $22,300 Building $156,200 | |
| 2023 | $178,500 Land $22,300 Building $156,200 | $178,500 Land $22,300 Building $156,200 | |
| 2021 | $178,500 Land $22,300 Building $156,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 390 James St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.
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 risk around 390 James St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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