474 Lost Cove Rd, Clyde, NC 28721 Property Records

Haywood County property record for 474 Lost Cove Rd, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,144 sqft · built 1964
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Aug 2020)
Tax Bill	$1,390 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8639-89-7701`

Property Details

APN / Parcel Number

Primary APN	`8639-89-7701`
Alternative APN	`262675`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Heated Area
Gross Area	1,556 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Garage Area	840 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	262675
Street Address	474 LOST COVE RD
City	CLYDE
State	NC
Zip	28721-8950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	474 LOST COVE RD
Legal Subdivision	LOST COVE
Jurisdiction	HAYWOOD NC
Township / Civil Division	CRABTREE
Census Block Group	2
Census Block	2006
Census Tract	920102

Owner

474 Lost Cove Rd is owned and occupied by two individuals who bought it in August 2020.

Source: Haywood County records, as of October 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	474 LOST COVE RD, CLYDE, NC 28721-8950
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
May 13, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Aug 11, 2020	Warranty Deed, Transfer HOME T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Prior Sale	May 13, 2019 · Amount on File
Deed Document Number	20207627
Deed Book / Page	1004 / 1089
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	474 LOST COVE RD, CLYDE, NC 28721-8950
Transaction Type	Mortgage
Record Updated	Sep 22, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	474 LOST COVE RD, CLYDE, NC 28721-8950

Mortgage

Document Number	0010712188
Date	Sep 15, 2022
Book Page	1071/2188
Instrument	2022009799

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 10, 2037

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	May 13, 2019
Property Address	474 LOST COVE RD, CLYDE, NC 28721-8950
Document Number	0009722123
Book / Page	000972 / 002123
Instrument Date	May 13, 2019
Instrument	3927
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$78.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 LOST COVE RD CLYDE NC 287218951, CLYDE, NC 28721-8951

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Aug 11, 2020
Property Address	474 LOST COVE RD, CLYDE, NC 28721-8950
Document Number	0010041089
Book / Page	001004 / 001089
Instrument Date	Mar 21, 1984
Instrument	7627
Transaction Type	Transfer
Record Updated	Sep 8, 2020
Title Company	RELIABLE TITLE, RELIABLE TITLE AGENCY CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	474 LOST COVE RD CLYDE NC 287218950, CLYDE, NC 28721-8950

Mortgage

Document Number	10041092
Date	Aug 11, 2020
Book Page	001004/001092
Instrument	7628

Lender

Name	HOME T BANK
Address	ASHEVILLE, NC 28802

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 474 Lost Cove Rd was $1,390.

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		$189,400 (-) Land $32,200 Building $157,200
2025	$1,390.00	$189,400 Land $32,200 Building $157,200	$189,400 Land $32,200 Building $157,200
2023		$184,600 Land $32,200 Building $152,400	$184,600 Land $32,200 Building $152,400
2021			$184,600 Land $32,200 Building $152,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 474 Lost Cove Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1994.

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	5 in force
Nearby Flood Claims	3 (1994–1999)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1999 · 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

Wildfire risk around 474 Lost Cove Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 93% of North Carolina
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyrunner Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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