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Single Family ResidenceResidential
$199,342$198 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 62How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $196,000 on Sep 11, 2024

109 SPENCER ST

CLYDE, NC 28721
3
Beds
1.5
Baths
1,008 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$199K
$124K low$275K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$196,000 · Sep 11, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$252 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$77,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$60,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$38,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$77,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.64
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHAYWOOD
Lot (acres)The size of the land the home sits on, from county records.0.20
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Partial
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Clyde Elementary SchoolB
Elementary · Grades KG–5 · 0.9 mi
M
Canton Middle SchoolA
Middle · Grades 6–8 · 3.9 mi
H
Pisgah High SchoolB
High · Grades 9–12 · 4.0 mi

District: Haywood County Schools

Neighborhood · ZIP 28721These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.123

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.10,656
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.110 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,688
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,232
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Spencer St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 78% of homes in Haywood County
  • Costs less per square foot than 79% of homes in Haywood County
  • Smaller than 68% of homes in Clyde 28721
  • Has a smaller lot than 95% of homes in Clyde 28721

What homes are worth in Clyde 28721

Each bar is how many homes fall in that price range. The marker is this home.

This home
$50K$877K

This home is worth more than 25% of homes in Clyde 28721.

How it measures up in Clyde 28721

The dot is this home. The mark in the middle is the typical home in Clyde 28721.

Estimated value$199,342
CheaperTypical $302,427Pricier

Pricier than 25% of homes nearby

Price per ft²$198
CheaperTypical $274Pricier

Pricier than 23% of homes nearby

Living area1,008 ft²
SmallerTypical 1,196 ft²Bigger

Bigger than 32% of homes nearby

Lot size0.2 ac
SmallerTypical 1.09 acBigger

Bigger than 5% of homes nearby

Year built1983
OlderTypical 1988Newer

Newer than 44% of homes nearby

How 109 Spencer St ranks against every home in each area.
MeasureThis homeClyde 28721Haywood County
Estimated valuepricier than$199,34225% of homes22% of homes
Price per ft²pricier than$19823% of homes21% of homes
Living areabigger than1,008 ft²32% of homes34% of homes
Lot sizebigger than0.2 ac5% of homes10% of homes
Year builtnewer than198344% of homes48% of homes

About 109 Spencer St

How much is 109 Spencer St, Clyde, NC worth?

The TopHap Estimate for 109 Spencer St, Clyde, NC is $199,342 as of Sep 24, 2026. The likely range is $123,590 to $275,094. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Spencer St, Clyde, NC last sell?

109 Spencer St, Clyde, NC last sold on Sep 11, 2024 for $196,000, according to the county's recorded deed.

How big is 109 Spencer St, Clyde, NC?

109 Spencer St, Clyde, NC has 3 bedrooms, 1.5 bathrooms, 1,008 square feet of living space and a 0.20-acre lot.

When was 109 Spencer St, Clyde, NC built?

109 Spencer St, Clyde, NC was built in 1983, making it 43 years old. It is a conventional home. The building has 1 story.

What schools serve 109 Spencer St, Clyde, NC?

109 Spencer St, Clyde, NC is assigned to Clyde Elementary School (elementary), rated B; Canton Middle School (middle), rated A; Pisgah High School (high), rated B. All sit in Haywood County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Spencer St, Clyde, NC compare to other homes in Clyde 28721?

Among the 5,209 homes in Clyde 28721, it is worth more than 25% of them ($199,342 against a typical $302,427), its price per square foot is higher than 23% of them ($198 against a typical $274), it is bigger than 32% of them (1,008 ft² against a typical 1,196 ft²), its lot is bigger than 5% of them (0.2 ac against a typical 1.09 ac) and it is newer than 44% of them (1983 against a typical 1988). Measured against all of Haywood County, it is worth more than 22% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Spencer St, Clyde, NC?

The 2025 property tax bill for 109 Spencer St, Clyde, NC was $252. The county assessed it at $77,500.

More homes on Spencer St

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Assigned schools

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