Haywood County property record for 46 Westbrook Cir, Clyde, NC 28721
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 528 sqft · built 1978 |
| Lot Size | 0.181 acres (7,897 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,500 (Jul 2025) |
| Tax Bill | $1,239 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8637-04-4186 |
| Primary APN | 8637-04-4186 |
|---|---|
| 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 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Material | Asphalt |
| Lot Area | 7,897 sqft (0.181 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 | 289086 |
|---|---|
| Street Address | 46 WESTBROOK CIR |
| City | CLYDE |
| State | NC |
| Zip | 28721-9710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR1 |
| Legal Description | #4 WESTBROOK |
| Legal Subdivision | WESTBROOK |
| Legal Unit | 4 |
| Jurisdiction | HAYWOOD NC |
| Township / Civil Division | CLYDE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 920502 |
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 Record |
|---|---|
| Mailing Address | 46 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Apr 30, 2021 | Warranty Deed, Transfer · USDA Mortgage PRIME MORTGAGE LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2025 · Amount on Record |
| Deed Sale | Jul 30, 2025 · Amount on Record |
| Prior Sale | Apr 30, 2021 · Amount on Record |
| Deed Document Number | 20256199 |
| Deed Book / Page | 1133 / 645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Recording Date | Jul 30, 2025 |
| Property Address | 46 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0011330645 |
| Book / Page | 1133 / 645 |
| Map Reference | CAB A SL 23 |
| Instrument Date | Jul 28, 2025 |
| Instrument | 2025006199 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $449.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 GRAND DR, CANTON, NC 28716-7596 |
| Name | Verified Name |
|---|---|
| Address | 46 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0001133648 |
|---|---|
| Date | Jul 30, 2025 |
| Instrument | 1133/648 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.3% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Recording Date | Apr 30, 2021 |
| Property Address | 46 WESTBROOK CIR, CLYDE, NC 28721-9710 |
| Document Number | 0010290502 |
| Book / Page | 1029 / 502 |
| Map Reference | CAB A SL 23 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 2021005301 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $368.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3740 BROAD ST, CLYDE, NC 28721-6808 |
| Name | Verified Name |
|---|---|
| Address | 46 WESTROOK CIRCLE, CLYDE, NC 28721-9710 |
| Document Number | 0001029505 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 1029/505 |
| Name | PRIME MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
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.
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.
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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