Clay County property record for 173 Payne Rd, Brasstown, NC 28902
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,200 sqft · built 1996 |
| Lot Size | 1.98 acres (86,249 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (May 2005) |
| Tax Bill | $579 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 542900051431 |
| Primary APN | 542900051431 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 1,200 sqft Heated Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 86,249 sqft (1.98 acres) |
| Account Number | 8614301 |
|---|---|
| Street Address | 173 PAYNE RD |
| City | BRASSTOWN |
| State | NC |
| Zip | 28902-8065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1182 LEE PAYNE |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 950202 |
173 Payne Rd is owned and occupied by an individual who bought it in May 2005.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 173 PAYNE RD, BRASSTOWN, NC 28902-8065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2005 · Amount on File |
| Deed Sale | May 10, 2005 · Amount on File |
| Deed Document Number | 20052067 |
| Deed Book / Page | 287 / 178 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 173 Payne Rd was $579, down 10.5% from the year before.
Source: Clay County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $579.00 (-10.51%) | $206,800 (+60.81%) Land $42,300 Building $164,500 | $206,800 (+60.81%) Land $42,300 Building $164,500 |
| 2025 | $647.00 | $128,600 Land $31,400 Building $97,200 | $128,600 Land $31,400 Building $97,200 |
| 2023 | $347.00 | $128,600 Land $31,400 Building $97,200 | $128,600 Land $31,400 Building $97,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 173 Payne Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2013–2021) |
| Most Recent Claim | Aug 2021 · 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 risk around 173 Payne Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 87% 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Ridge Mountain EMC Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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