1166 Cherry Rd, Hayesville, NC 28904 Property Records

Clay County property record for 1166 Cherry Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,320 sqft · built 1990
Lot Size	19.6 acres (855,083 sqft)
Owner	2 Individual Names on Record
Last Sale	$895,000 (Mar 2024)
Tax Bill	$2,022 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544900977598`

Property Details

APN / Parcel Number

Primary APN	`544900977598`
Alternative APNs	`619161000` `623260000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,320 sqft Heated Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	855,083 sqft (19.6 acres)

Location & Zoning

Account Number	623260000
Street Address	1166 CHERRY RD
City	HAYESVILLE
State	NC
Zip	28904-7076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SR 1118 CHERRY ROAD
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1011
Census Tract	950201

Owner

Source: Clay County records, as of October 19, 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	1166 CHERRY RD, HAYESVILLE, NC 28904-7076
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Feb 9, 2023	Intrafamily Transfer, Transfer
Dec 15, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Dec 15, 2020 · Amount on Record
Deed Document Number	2024659
Deed Book / Page	482 / 185
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1166 CHERRY RD, HAYESVILLE, NC 28904-7076
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 JACK GROVES LN, HAYESVILLE, NC 28904-1028

Mortgage

Document Number	000A17/135
Date	Mar 28, 2024
Book Page	A17/135
Instrument	2024000660

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	238 MADISON ST, JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Feb 9, 2023
Property Address	1166 CHERRY RD, HAYESVILLE, NC 28904-7076
Document Number	0000473/18
Book / Page	473 / 18
Instrument Date	Feb 6, 2023
Instrument	2023000298
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1166 CHERRY RD, HAYESVILLE, NC 28904-7076

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1166 CHERRY RD, HAYESVILLE, NC 28904-7076

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Dec 15, 2020
Property Address	1166 CHERRY RD, HAYESVILLE, NC 28904-7076
Document Number	447/119
Book / Page	447 / 119
Instrument Date	Dec 15, 2020
Instrument	2020003321
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1166 CHERRY RD, 1166, HAYESVILLE, NC 28904-7076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	749 VINE AVE, DUNEDIN, FL 34698-7112

Mortgage

Document Number	2020003322
Date	Dec 15, 2020
Instrument	2020003322

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

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

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	$2,022.00 (+4.17%)	$588,000 (+50.04%) Land $225,300 Building $362,700	$588,000 (+50.04%) Land $225,300 Building $362,700
2025	$1,941.00 (+7.53%)	$391,900 (-) Land $169,700 Building $222,200	$391,900 (-) Land $169,700 Building $222,200
2023	$1,805.00	$391,900 Land $169,700 Building $222,200	$391,900 Land $169,700 Building $222,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Policies	2 in force

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 56% of the US · above 78% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Blue Ridge Mountain EMC, RiverStreet Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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