Haywood County property record for 85 Lone Oak Dr, Clyde, NC 28721
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 988 sqft · built 1989 |
| Lot Size | 0.457 acres (19,924 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Mar 2008) |
| Tax Bill | $2,268 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8647-42-0976 |
| Primary APN | 8647-42-0976 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 988 sqft Heated Area |
| Gross Area | 2,280 sqft |
| 1st Floor Area | 988 sqft |
| Upper Floors Area | 288 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Roof Material | Asphalt |
| Lot Area | 19,924 sqft (0.457 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Partial |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 195989 |
|---|---|
| Street Address | 85 LONE OAK DR |
| City | CLYDE |
| State | NC |
| Zip | 28721-7693 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR1 |
| Legal Description | 85 LONE OAK DR |
| Jurisdiction | HAYWOOD NC |
| Township / Civil Division | CLYDE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 920502 |
85 Lone Oak Dr is owned and occupied by two individuals who bought it in March 2008.
Source: Haywood County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 85 LONE OAK DR, CLYDE, NC 28721-7693 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2008 · Amount on File |
| Deed Sale | Mar 7, 2008 · Amount on File |
| Deed Document Number | 20082675 |
| Deed Book / Page | 730 / 1251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAYWOOD NC |
| Property Address | 85 LONE OAK DR, CLYDE, NC 28721-7693 |
| Document Number | 0009551193 |
| Instrument Date | Jul 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 85 LONE OAK DR CLYDE NC 287217693, CLYDE, NC 28721-7693 |
| Document Number | 0009551193 |
|---|---|
| Date | Jul 16, 2018 |
| Book Page | 000955/001193 |
| Instrument | 6185 |
| Name | HOMETRUST BK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802-0010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 85 Lone Oak Dr was $2,268.
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 | $324,600 (-) Land $27,600 Building $297,000 | ||
| 2025 | $2,268.00 | $324,600 Land $27,600 Building $297,000 | $324,600 Land $27,600 Building $297,000 |
| 2023 | $324,600 Land $27,600 Building $297,000 | $324,600 Land $27,600 Building $297,000 | |
| 2021 | $324,600 Land $27,600 Building $297,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Lone Oak Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.
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 | 4 in force |
| Nearby Flood Claims | 3 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 85 Lone Oak Dr is moderate, ranking above 58% 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 58% of the US · above 81% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CLYDE serves 3,228 people · EPA ID NC0144025 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 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 68 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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