Clay County property record for 186 Elf School Rd, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 3,923 sqft · built 1999 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Nov 2014) |
| Tax Bill | $1,774 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 548901197026 |
| Primary APN | 548901197026 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,923 sqft Heated Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 44,431 sqft (1.02 acres) |
| Account Number | 8509301 |
|---|---|
| Street Address | 186 ELF SCHOOL RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-0349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 ELF RD |
| Legal Subdivision | POLLY ANN LEDFORD PROPERTY |
| Legal Lot Number | 3 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HIAWASSEE |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 950101 |
186 Elf School Rd is owned and occupied by two individuals who bought it in November 2014.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 ELF SCHOOL RD, HAYESVILLE, NC 28904-0349 |
| 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.
| Date | Document |
|---|---|
| Dec 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC |
| Dec 1, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2014 · Amount on File |
| Deed Sale | Nov 4, 2014 · Amount on File |
| Deed Document Number | 20142197 |
| Deed Book / Page | 389 / 176 |
| Prior Transfer Date | May 29, 2013 |
| Prior Transfer Doc | 000376/216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 186 ELF SCHOOL RD, HAYESVILLE, NC 28904-0349 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0000R15/14 |
|---|---|
| Date | Dec 10, 2020 |
| Book Page | R15/14 |
| Instrument | 2020003281 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 168 Months |
| Due | Dec 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 186 ELF SCHOOL RD, HAYESVILLE, NC 28904-0349 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000H16/43 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | H16/43 |
| Instrument | 2021003915 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | 26904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 186 Elf School Rd was $1,774, up 24.5% 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 | $1,774.00 (+24.49%) | $529,500 (+94.17%) Land $57,400 Building $472,100 | $529,500 (+94.17%) Land $57,400 Building $472,100 |
| 2025 | $1,425.00 | $272,700 Land $38,300 Building $234,400 | $272,700 Land $38,300 Building $234,400 |
| 2023 | $1,315.00 | $272,700 Land $38,300 Building $234,400 | $272,700 Land $38,300 Building $234,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Elf School Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 186 Elf School Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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.
Source: FCC Broadband Data Collection, based on 43 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 |
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