126 Split Rail Dr, Hayesville, NC 28904 Property Records

Clay County property record for 126 Split Rail Dr, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,861 sqft · built 2004
Lot Size	3.76 acres (163,786 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (May 2026)
Tax Bill	$1,930 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2026 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`558000879385`

Property Details

APN / Parcel Number

Primary APN	`558000879385`
Alternative APN	`7056302`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,861 sqft Heated Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	163,786 sqft (3.76 acres)

Location & Zoning

Account Number	7056302
Street Address	126 SPLIT RAIL DR
City	HAYESVILLE
State	NC
Zip	28904-4101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 HIGH MEADOWS
Legal Subdivision	HIGH MDWS
Legal Lot Number	7
Jurisdiction	CLAY NC
Township / Civil Division	HIAWASSEE
Census Block Group	2
Census Block	2044
Census Tract	950102

Owner

Source: Clay County assessment roll, as of October 16, 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 File
Mailing Address	15532 LAKE GRACE DR, ODESSA, FL 33556-3037
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Mar 12, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 23, 2010	Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST CO
Aug 3, 2011	Deed of Trust, Mortgage · Line of Credit NANTAHALA TRUSTEE COMPANY LLC
Apr 17, 2008	Deed of Trust, Mortgage · Line of Credit NANTAHAL BANK & TRUST CO
May 23, 2008	Deed of Trust, Mortgage · Line of Credit NANTAHAL BANK & TRUST CO
Apr 27, 2006	Deed of Trust, Mortgage UNITED COMMUNITY BANK
May 8, 2026	Warranty Deed, Transfer · Construction Mortgage NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Deed Document Number	2026959
Deed Book / Page	491 / 8
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000B17/344
Date	Jan 9, 2026
Book Page	B17/344
Instrument	2026000040

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	95 HWY 64 W, HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 29, 2050

Interest

Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000B17/410
Date	Mar 12, 2026
Book Page	B17/410
Instrument	2026000473

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	95 HWY 64 W, HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 28, 2051

Interest

Change Frequency	Monthly

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000T11/024
Date	Jul 23, 2010
Book Page	T11/024
Instrument	2010001544

Lender

Name	NANTAHALA BANK & TRUST CO
Type	Non-Lending Institution
Address	FRANKLIN, NC 28734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2025

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D12/012
Date	Aug 3, 2011
Book Page	D12/012
Instrument	2011001807

Lender

Name	NANTAHALA TRUSTEE COMPANY LLC
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 26, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000T10/065
Date	Apr 17, 2008
Book Page	T10/065
Instrument	2008001338

Lender

Name	NANTAHAL BANK & TRUST CO
Type	Non-Lending Institution
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000V10/043
Date	May 23, 2008
Book Page	V10/043
Instrument	2008001788

Lender

Name	NANTAHAL BANK & TRUST CO
Type	Non-Lending Institution
Address	ZIRCONIA, NC 28790

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000304/064
Date	Apr 27, 2006
Book Page	304/064
Instrument	2006001951

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	May 8, 2026
Property Address	126 SPLIT RAIL DR, HAYESVILLE, NC 28904-4101
Document Number	0000000959
Book / Page	491 / 8
Instrument Date	May 8, 2026
Instrument	2026.959
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$164,630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15532 LAKE GRACE DR, ODESSA, FL 33556-3037
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000960,
Date	May 8, 2026
Book Page	B17/487
Instrument	2026.960

Lender

Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 8, 2027

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of October 16, 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	$1,930.00	$389,400 (-) Land $87,600 Building $301,800	$389,400 (-) Land $87,600 Building $301,800
2023		$389,400 Land $87,600 Building $301,800	$389,400 Land $87,600 Building $301,800

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
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Oct 2021 · river or lake flooding

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 60% of the US · above 83% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wilkes Telephone Membership Fixed Wireless	10 / 1

May also be available: T-Mobile USA.

Cell Coverage

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

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