1024 Low Gap Rd, Hayesville, NC 28904 Property Records

Clay County property record for 1024 Low Gap Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,875 sqft · built 2000
Lot Size	3.68 acres (160,301 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,165 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`548800499053`

Property Details

APN / Parcel Number

Primary APN	`548800499053`
Alternative APN	`6412301`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,875 sqft Heated Area

Exterior

Year Built	Built 2000
Lot Area	160,301 sqft (3.68 acres)

Location & Zoning

Account Number	6412301
Street Address	1024 LOW GAP RD
City	HAYESVILLE
State	NC
Zip	28904-6237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF LOT 3
Legal Lot Number	3
Jurisdiction	CLAY NC
Township / Civil Division	HIAWASSEE
Census Block Group	2
Census Block	2061
Census Tract	950101

Owner

Source: Clay County records, as of October 15, 2025

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	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY
Dec 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NANTAHALA BANK & TRUST COMPANY
Dec 20, 2021	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 1999
Deed Sale	May 5, 1999
Deed Document Number	0000217241
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237

Mortgage

Document Number	000B61/203
Date	Sep 19, 2025
Book Page	B61/203
Instrument	2025001887

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	102 HWY 64 E, HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.9%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 19, 2028
Change Frequency	Annually
Min Rate At Change	7.9%
Max Rate At Change	13.9%
Index	Prime Rate

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237

Mortgage

Document Number	0000T16/18
Date	Dec 14, 2022
Book Page	T16/18
Instrument	2022003213

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 14, 2037

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1024 LOW GAP RD, HAYESVILLE, NC 28904-6237

Mortgage

Document Number	0000I16/45
Date	Dec 20, 2021
Book Page	I16/45
Instrument	2021004162

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Dec 20, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll, as of January 1, 2025

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
2025	$1,165.00 (+10.74%)	$222,300 (-) Land $50,100 Building $172,200	$222,300 (-) Land $50,100 Building $172,200
2023	$1,052.00	$222,300 Land $50,100 Building $172,200	$222,300 Land $50,100 Building $172,200

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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2019 · 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 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Low Gap Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures