649 Ryder Cup Ln, Clemmons, NC 27012 Property Records

Davidson County property record for 649 Ryder Cup Ln, Clemmons, NC 27012

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,865 sqft · built 2019
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Feb 2020)
Tax Bill	$2,826 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-003-F-000-0332`

Property Details

APN / Parcel Number

Primary APN	`08-003-F-000-0332`
Alternative APN	`9245325`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,865 sqft Total Area
1st Floor Area	2,044 sqft
Upper Floors Area	867 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Golf Course
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	294 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	9245325
Street Address	649 RYDER CUP LN
City	CLEMMONS
State	NC
Zip	27012-9870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDH
Legal Description	PB62-95 L332 BK2395-464 RYDER CUP LN
Legal Subdivision	SALEM GLEN RYDER CUP VILLAGE
Jurisdiction	DAVIDSON NC
Township / Civil Division	HAMPTON
Census Block Group	2
Census Block	2001
Census Tract	60303

Owner

649 Ryder Cup Ln is owned and occupied by two individuals who bought it in February 2020.

Source: Davidson County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870
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
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 9, 2019	Deed of Trust, Mortgage · Construction Mortgage ALLEGACY FCU
Feb 18, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on File
Deed Sale	Feb 18, 2020 · Amount on File
Prior Sale	Jun 12, 2019 · Amount on File
Deed Document Number	20203543
Deed Book / Page	2395 / 464
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIDSON NC
Property Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026262014
Date	Nov 17, 2023
Book Page	2626/2014
Instrument	2023020924

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIDSON NC
Property Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870
Transaction Type	Mortgage
Record Updated	Mar 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025301561
Date	Feb 10, 2022
Book Page	2530/1561
Instrument	2022000003205

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.95%
Type Change Date	Mar 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	4.95%
Index	5-Year CMT
Margin	2
Max Rate	8.95%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIDSON NC
Property Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023690189
Date	Aug 9, 2019
Book Page	2369/0189
Instrument	2019000016031

Lender

Name	ALLEGACY FCU
Type	Mortgage Company
Address	WINSTON SALEM, NC 27114

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Feb 10, 2021

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIDSON NC
Recording Date	Feb 18, 2020
Property Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870
Document Number	0023950464
Book / Page	2395 / 0464
Map Reference	MB 62 PG 95
Instrument Date	Jan 28, 2020
Instrument	2020000003543
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 BROOKSTOWN AVE, 11, WINSTON SALEM, NC 27101-5206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870

Mortgage

Document Number	2020000003544
Date	Feb 18, 2020
Instrument	2020000003544

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIDSON NC
Recording Date	Jun 12, 2019
Property Address	649 RYDER CUP LN, CLEMMONS, NC 27012-9870
Document Number	0023610728
Book / Page	002361 / 000728
Instrument Date	Jun 12, 2019
Instrument	11437
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$124.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 BROOKSTOWN AVE WINSTON SALEM NC 271015206, WINSTON SALEM, NC 27101-5206

Tax Assessment & Valuation

The 2026 property tax bill for 649 Ryder Cup Ln was $2,826, up 1.9% from the year before.

Source: Davidson County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Davidson County
Unified School District	Davidson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,826.00 (+1.91%)	$440,030 (-)	$440,030 (-) Land $77,000 Building $363,030
2025	$2,773.00	$440,030	$440,030 Land $77,000 Building $363,030
2023	$2,640.00	$440,030	$440,030 Land $77,000 Building $363,030

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

Flood

FEMA maps place 649 Ryder Cup Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective September 1, 2026 · 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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2020 · rainfall accumulation

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 649 Ryder Cup Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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	DAVIDSON WATER INC private · serves 154,307 people · EPA ID NC0229025
Water Source	Surface water
Last State Inspection	Apr 2026
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	2 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Surry Telephone Cable	1,000 / 30
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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