Haywood County property record for 4 Spencer St, Clyde, NC 28721
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 600 sqft · built 2018 |
| Lot Size | 3.76 acres (163,873 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $581 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 8637-62-9755 |
| Primary APN | 8637-62-9755 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 600 sqft Heated Area |
| Gross Area | 1,660 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Fiber Cement Siding |
| Lot Area | 163,873 sqft (3.76 acres) |
| Cooling System | Partial |
|---|---|
| Heating System | Heat Pump |
| Account Number | 244931 |
|---|---|
| Street Address | 4 SPENCER ST |
| City | CLYDE |
| State | NC |
| Zip | 28721 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | CR1 |
| Legal Description | 4 SPENCER ST |
| Jurisdiction | HAYWOOD NC |
| Township / Civil Division | CLYDE |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 920501 |
4 Spencer St, a commercial property, is owned by an individual who acquired it in November 2010.
Source: Haywood County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 34 SUMMERSET DR, CLYDE, NC 28721-8415 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 1, 2010 |
| Transfer Doc | 0007921572 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 4 Spencer St was $581, up 1.6% from the year before.
Source: Haywood County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Haywood County |
| Municipality | Clyde Town |
| Unified School District | Haywood County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $132,293 (+47.99%) Land $30,493 Building $101,800 | ||
| 2025 | $581.00 (+1.57%) | $89,393 Land $30,493 Building $58,900 | $149,900 Land $48,100 Building $101,800 |
| 2024 | $572.00 | ||
| 2023 | $116,293 Land $30,493 Building $85,800 | ||
| 2022 | $726.00 | ||
| 2021 | $133,900 Land $48,100 Building $85,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Spencer St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 10 (2021–2024) |
| Claims Outside the SFHA | 1 of 10 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 4 Spencer St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 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 |
| 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 152 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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