126 Murray Hill, Hayesville, NC 28904 Property Records

Clay County property record for 126 Murray Hill, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,454 sqft · built 2004
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Aug 2023)
Tax Bill	$1,559 (2026)
Deeds & Mortgages	Dec 2017 Line of Credit Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`545900416609`

Property Details

APN / Parcel Number

Primary APN	`545900416609`
Alternative APNs	`620244000` `622531000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,454 sqft Heated Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	54,886 sqft (1.26 acres)

Location & Zoning

Account Number	622531000
Street Address	126 MURRAY HL
City	HAYESVILLE
State	NC
Zip	28904-9245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 RIDGEVIEW
Legal Subdivision	RIDGEVIEW ACRES SUBDIVISION
Legal Lot Number	10
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2031
Census Tract	950201

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	126 MURRAY HL, HAYESVILLE, NC 28904-9245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2017	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Sep 21, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Sep 21, 2021 · Amount on Record
Deed Document Number	20231581
Deed Book / Page	477 / 166
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 MURRAY HL, HAYESVILLE, NC 28904-9245
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00J14/0030
Date	Dec 27, 2017
Book Page	J14/0030
Instrument	2017002745

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HIAWASSEE, GA 30546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Aug 11, 2023
Property Address	126 MURRAY HL, HAYESVILLE, NC 28904-9245
Document Number	000477/166
Book / Page	477 / 166
Map Reference	CAB 2 SL 414
Instrument Date	Aug 11, 2023
Instrument	2023001581
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	807 W UNION ST, MORGANTON, NC 28655-4270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 MURRAY HL, HAYESVILLE, NC 28904-9245

Mortgage

Document Number	2023001582
Date	Aug 11, 2023
Instrument	2023001582

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 21, 2021
Property Address	126 MURRAY HL, HAYESVILLE, NC 28904-9245
Document Number	0000457/66
Book / Page	457 / 66
Map Reference	CAB 2 SL 414
Instrument Date	Sep 21, 2021
Instrument	2021003100
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 BIG SKY DR, HIAWASSEE, GA 30546-2243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 MURRAY HL, HAYESVILLE, NC 28904-9245

Mortgage

Document Number	2021003101
Date	Sep 21, 2021
Instrument	2021003101

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	$1,559.00 (+18.38%)	$470,700 (+81.67%) Land $40,100 Building $430,600	$470,700 (+81.67%) Land $40,100 Building $430,600
2025	$1,317.00 (+10.58%)	$259,100 (-) Land $39,500 Building $219,600	$259,100 (-) Land $39,500 Building $219,600
2023	$1,191.00	$259,100 (-) Land $39,500 Building $219,600	$259,100 (-) Land $39,500 Building $219,600
2022	$1,191.00	$259,100 Land $39,500 Building $219,600	$259,100 Land $39,500 Building $219,600

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
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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 39 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

Cell Coverage

5G (outdoors only) and 4G LTE

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