107 Rivers Edge Dr, Hayesville, NC 28904 Property Records

Clay County property record for 107 Rivers Edge Dr, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,576 sqft · built 2002
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Aug 2019)
Tax Bill	$1,199 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`556013029878`

Property Details

APN / Parcel Number

Primary APN	`556013029878`
Alternative APN	`617670000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,576 sqft Heated Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	22,651 sqft (0.52 acres)

Location & Zoning

Account Number	617670000
Street Address	107 RIVERS EDGE DR
City	HAYESVILLE
State	NC
Zip	28904-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 RIVERS EDGE
Legal Subdivision	RIVERS EDGE ESTATES
Legal Lot Number	14
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1065
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	107 RIVERS EDGE DR, HAYESVILLE, NC 28904-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 21, 2019	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on Record
Deed Sale	Aug 21, 2019 · Amount on Record
Prior Sale	Aug 22, 2013 · Amount on Record
Deed Document Number	20191881
Deed Book / Page	432 / 193
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	107 RIVERS EDGE DR, HAYESVILLE, NC 28904-8501
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000T15/24
Date	Jan 20, 2021
Book Page	T15/24
Instrument	2021000223

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY NC
Recording Date	Aug 21, 2019
Property Address	107 RIVERS EDGE DR, HAYESVILLE, NC 28904-8501
Document Number	00432/0193
Book / Page	432 / 0193
Map Reference	CAB 3 SL 420
Instrument Date	Aug 15, 2019
Instrument	2019001881
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 RIVERS EDGE DR, HAYESVILLE, NC 28904-8501

Mortgage

Document Number	2019001882
Date	Aug 21, 2019
Instrument	2019001882

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$1,199.00 (+15.51%)	$354,800 (+77.67%) Land $50,000 Building $304,800	$354,800 (+77.67%) Land $50,000 Building $304,800
2025	$1,038.00	$199,700 (-) Land $50,000 Building $149,700	$199,700 (-) Land $50,000 Building $149,700
2023		$199,700 Land $50,000 Building $149,700	$199,700 Land $50,000 Building $149,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 48% of the US · above 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLAY CO WATER & SEWER DISTRICT serves 1,965 people · EPA ID NC0122010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Windstream Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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