879 Lost Cove Rd, Clyde, NC 28721 Property Records

Haywood County property record for 879 Lost Cove Rd, Clyde, NC 28721

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,584 sqft · built 2006
Lot Size	3.46 acres (150,979 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (Jun 2023)
Tax Bill	$2,982 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8730-70-1745`

Property Details

APN / Parcel Number

Primary APN	`8730-70-1745`
Alternative APNs	`260453` `278964`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,584 sqft Heated Area
Gross Area	2,772 sqft
1st Floor Area	1,584 sqft
Upper Floors Area	1,188 sqft
Basement Area	1,584 sqft
Finished Basement	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Lot Area	150,979 sqft (3.46 acres)
Garage Type	Carport
Garage Area	960 sqft
Carport	Carport
Carport Area	960 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	278964
Street Address	879 LOST COVE RD
City	CLYDE
State	NC
Zip	28721-8954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	879 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

879 Lost Cove Rd is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	879 LOST COVE RD, CLYDE, NC 28721-8954
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
Jun 27, 2023	Warranty Deed, Transfer · Conventional Mortgage CORNING FCU
Dec 20, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on File
Deed Sale	Jun 27, 2023 · Amount on File
Prior Sale	Dec 20, 2019 · Amount on File
Deed Document Number	20235392
Deed Book / Page	1089 / 490
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Jun 27, 2023
Property Address	879 LOST COVE RD, CLYDE, NC 28721-8954
Document Number	0010890490
Book / Page	1089 / 490
Map Reference	MB 875 PG 801
Instrument Date	Jun 8, 2023
Instrument	2023005392
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2449 DALE RD, SPRUCE PINE, NC 28777-6468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	879 LOST COVE RD, CLYDE, NC 28721-8954

Mortgage

Document Number	2023005393
Date	Jun 27, 2023
Instrument	2023005393

Lender

Name	CORNING FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year CMT
Max Rate	11.2%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Dec 20, 2019
Property Address	879 LOST COVE RD, CLYDE, NC 28721-8954
Document Number	0009880453
Book / Page	988 / 0453
Instrument Date	Dec 19, 2019
Instrument	2019011943
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 STARLIGHT LN, 101, MAGGIE VALLEY, NC 28751-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	879 LOST COVE RD, CLYDE, NC 28721-8954

Mortgage

Document Number	0000988456
Date	Dec 20, 2019
Instrument	988/456

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 879 Lost Cove Rd was $2,982.

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		$434,400 (-) Land $52,800 Building $381,600
2025	$2,982.00	$434,400 Land $52,800 Building $381,600	$434,400 Land $52,800 Building $381,600
2023		$434,400 Land $52,800 Building $381,600	$434,400 Land $52,800 Building $381,600
2021			$434,400 Land $52,800 Building $381,600

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

Flood

FEMA maps place 879 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 879 Lost Cove Rd is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 91% of North Carolina
Wildfire Likelihood	0.3% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25

Cell Coverage

4G LTE only, no 5G reported

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