63 Dock Ratcliffe Rd, Waynesville, NC 28786 Property Records

Haywood County property record for 63 Dock Ratcliffe Rd, Waynesville, NC 28786

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1956
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Aug 2018)
Tax Bill	$980 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Feb 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8625-38-7442`

Property Details

APN / Parcel Number

Primary APN	`8625-38-7442`
Alternative APNs	`8625387431` `253087`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Heated Area
Gross Area	1,580 sqft
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	253087
Street Address	63 DOCK RATCLIFFE RD
City	WAYNESVILLE
State	NC
Zip	28786-9064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	#19-20 & PT #21 G R UNDERWOOD
Legal Subdivision	G R UNDERWOOD PROPERTY
Legal Unit	19
Jurisdiction	HAYWOOD NC
Township / Civil Division	WAYNESVILLE
Census Block Group	2
Census Block	2061
Census Tract	921301

Owner

63 Dock Ratcliffe Rd is owned and occupied by an individual who bought it in August 2018.

Source: Haywood County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	63 DOCK RATCLIFFE RD, WAYNESVILLE, NC 28786-9064
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
Aug 24, 2018	Warranty Deed, Transfer CHAMPION CU
Feb 16, 2017	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
Mar 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2018 · Amount on File
Deed Sale	Aug 24, 2018 · Amount on File
Prior Sale	Feb 16, 2017 · Amount on File
Deed Document Number	20187529
Deed Book / Page	958 / 117
Prior Transfer Date	Mar 10, 2017
Prior Transfer Doc	0009241571
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Aug 24, 2018
Property Address	63 DOCK RATCLIFFE RD, WAYNESVILLE, NC 28786-9064
Document Number	0009580117
Book / Page	000958 / 000117
Instrument Date	Aug 17, 2018
Instrument	7529
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	63 DOCK RATCLIFFE RD WAYNESVILLE NC 287869064, WAYNESVILLE, NC 28786-9064

Mortgage

Document Number	9580120
Date	Aug 24, 2018
Book Page	000958/000120
Instrument	7530

Lender

Name	CHAMPION CU
Type	Credit Union
Address	CANTON, NC 28716

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.99%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Feb 16, 2017
Property Address	63 DOCK RATCLIFFE RD, WAYNESVILLE, NC 28786-9064
Document Number	0009230697
Book / Page	923 / 0697
Instrument Date	Feb 15, 2017
Instrument	2017001440
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	94 PALMER RD, 94, WAYNESVILLE, NC 28786-9004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 DOCK RATCLIFFE RD, WAYNESVILLE, NC 28786-9064

Mortgage

Document Number	2017001441
Date	Feb 16, 2017
Instrument	2017001441

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAYWOOD NC
Recording Date	Mar 10, 2017
Property Address	63 DOCK RATCLIFFE RD, WAYNESVILLE, NC 28786-9064
Document Number	0009241571
Book / Page	000924 / 001571
Instrument Date	Mar 10, 2016
Instrument	2186
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 PALMER RD WAYNESVILLE NC 287869004, WAYNESVILLE, NC 28786-9004

Tax Assessment & Valuation

The 2025 property tax bill for 63 Dock Ratcliffe Rd was $980.

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		$130,400 (-) Land $21,500 Building $108,900
2025	$980.00	$130,400 Land $21,500 Building $108,900	$130,400 Land $21,500 Building $108,900
2023		$130,400 Land $21,500 Building $108,900	$130,400 Land $21,500 Building $108,900
2021			$130,400 Land $21,500 Building $108,900

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

Flood

FEMA maps place 63 Dock Ratcliffe Rd in Zone X, an area of minimal flood risk, though there have been 18 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	18 (1994–2024)
Claims Outside the SFHA	3 of 18
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 9 claims Remnants Of Tropical Storm Fred, Aug 2021 · 2 claims Hurricane Ivan, Sep 2004 · 4 claims

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 63 Dock Ratcliffe Rd is moderate, ranking above 50% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 WAYNESVILLE serves 19,758 people · EPA ID NC0144010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2024
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Skyrunner, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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