Clay County property record for 191 Roach Cove Rd, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,134 sqft · built 1945 |
| Lot Size | 16 acres (696,960 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $674 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 553100691561 |
| Primary APN | 553100691561 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 1,134 sqft Heated Area |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 696,960 sqft (16 acres) |
| Account Number | 4245303 |
|---|---|
| Street Address | 191 ROACH COVE RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-7699 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROACH COVE RD |
| Jurisdiction | CLAY NC |
| Township / Civil Division | SWEETWATER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950102 |
191 Roach Cove Rd, a single family home, is owned by an individual.
Source: Clay County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1333 MOSS ST, ORANGEBURG, SC 29115-4559 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 191 Roach Cove Rd was $674, down 26.6% 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 | $674.00 (-26.58%) | $217,600 (+24.91%) Land $182,500 Building $35,100 | $217,600 (+24.91%) Land $182,500 Building $35,100 |
| 2025 | $918.00 | $174,200 Land $122,500 Building $51,700 | $174,200 Land $122,500 Building $51,700 |
| 2023 | $801.00 | $174,200 Land $122,500 Building $51,700 | $174,200 Land $122,500 Building $51,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Roach Cove Rd in Zone X, an area of minimal flood risk, though there have been 11 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 45 policies |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 11 (2013–2025) |
| Most Recent Claim | Apr 2025 · 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 191 Roach Cove Rd is moderate, ranking above 63% 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 63% of the US · above 85% 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 9 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 |
4G LTE only, no 5G reported
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