10 Roach Cove Rd, Hayesville, NC 28904 Property Records

Clay County property record for 10 Roach Cove Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1970
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Dec 2021)
Tax Bill	$521 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`553100793045`

Property Details

APN / Parcel Number

Primary APN	`553100793045`
Alternative APN	`620601000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,320 sqft Heated Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	28,750 sqft (0.66 acres)

Location & Zoning

Account Number	620601000
Street Address	10 ROACH COVE RD
City	HAYESVILLE
State	NC
Zip	28904-7698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SR 1300 & SR 1301
Jurisdiction	CLAY NC
Township / Civil Division	SWEETWATER
Census Block Group	1
Census Block	1017
Census Tract	950102

Owner

Source: Clay County records, as of October 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10 ROACH COVE RD, HAYESVILLE, NC 28904-7698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20213954
Deed Book / Page	459 / 211
Prior Transfer Date	Feb 2, 2007
Prior Transfer Doc	315/265
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Dec 3, 2021
Property Address	10 ROACH COVE RD, HAYESVILLE, NC 28904-7698
Document Number	000459/211
Book / Page	459 / 211
Instrument Date	Dec 1, 2021
Instrument	2021003954
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 RIVER OAKS DR, 201, HAYESVILLE, NC 28904-7814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ROACH COVE RD, HAYESVILLE, NC 28904-7698

Mortgage

Document Number	2021003955
Date	Dec 3, 2021
Instrument	2021003955

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

Source: Clay County assessment roll, as of October 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$521.00 (-24.49%)	$136,000 (+8.28%) Land $28,700 Building $107,300	$136,000 (+8.28%) Land $28,700 Building $107,300
2025	$690.00 (+19.58%)	$125,600 (-) Land $22,100 Building $103,500	$125,600 (-) Land $22,100 Building $103,500
2023	$577.00	$125,600 Land $22,100 Building $103,500	$125,600 Land $22,100 Building $103,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 4, 2009 · 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 Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	11 (2013–2025)
Most Recent Claim	Apr 2025 · 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

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

Wildfire Risk	Moderate above 64% of the US · above 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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