411 James St, Clyde, NC 28721 Property Records

Haywood County property record for 411 James St, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 2020
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,119 (Aug 2025)
Tax Bill	$1,536 (2025)
Deeds & Mortgages	Aug 2025 Sale Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8647-74-9726`

Property Details

APN / Parcel Number

Primary APN	`8647-74-9726`
Alternative APNs	`189810` `289355`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Heated Area
Gross Area	1,212 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Lot Area	12,981 sqft (0.298 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump

Location & Zoning

Account Number	289355
Street Address	411 JAMES ST
City	CLYDE
State	NC
Zip	28721-6903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#30 GREEN ACRES
Legal Subdivision	GREEN ACRES
Legal Unit	30
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	2 Individual Names on Record
Mailing Address	411 JAMES ST, CLYDE, NC 28721-6903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Warranty Deed, Transfer
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Sep 9, 2019	Deed of Trust, Mortgage · Line of Credit MICHAEL KUTYANA
May 28, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	20257048
Deed Book / Page	1134 / 2397
Prior Transfer Date	Aug 22, 2025
Prior Transfer Doc	0011342397
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Aug 25, 2025
Property Address	411 JAMES ST, CLYDE, NC 28721-6903
Document Number	0011342397
Book / Page	1134 / 2397
Map Reference	MB K PG 73
Instrument Date	Aug 22, 2025
Instrument	2025007048
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$4.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	411 JAMES ST, CLYDE, NC 28721-6903

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	411 JAMES ST, CLYDE, NC 28721-6903
Transaction Type	Mortgage
Record Updated	Aug 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010181661
Date	Jan 13, 2021
Book Page	1018/1661
Instrument	2021000362

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	29271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	411 JAMES ST, CLYDE, NC 28721-6903
Document Number	0009801943
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 572 CLYDE NC 287210572, CLYDE, NC 28721-0572

Mortgage

Document Number	0009801943
Date	Sep 9, 2019
Book Page	000980/001943
Instrument	8104

Lender

Name	MICHAEL KUTYANA
Address	5 STARNES COVE PL, ASHEVILLE, NC 28806-1106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Sep 8, 2021

Interest

Rate Type	Adjustable Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	May 28, 2019
Property Address	411 JAMES ST, CLYDE, NC 28721-6903
Document Number	0009731973
Book / Page	000973 / 001973
Instrument Date	May 28, 2019
Instrument	4414
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$55.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 572 CLYDE NC 287210572, CLYDE, NC 28721-0572

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		$211,900 (-) Land $22,800 Building $189,100
2025	$1,536.00	$211,900 (-) Land $22,800 Building $189,100	$211,900 (-) Land $22,800 Building $189,100
2023		$211,900 Land $22,800 Building $189,100	$211,900 (-) Land $22,800 Building $189,100
2021			$211,900 Land $22,800 Building $189,100

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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