20 Deerbrook Cir, Hayesville, NC 28904 Property Records

Clay County property record for 20 Deerbrook Cir, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,601 sqft · built 2002
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$383,000 (Mar 2026)
Tax Bill	$1,232 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`558003125077`

Property Details

APN / Parcel Number

Primary APN	`558003125077`
Alternative APNs	`621072000` `9580301`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,601 sqft Heated Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	30,492 sqft (0.7 acres)

Location & Zoning

Account Number	621072000
Street Address	20 DEERBROOK CIR
City	HAYESVILLE
State	NC
Zip	28904-4685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 DEER BROOK SUBN
Legal Subdivision	DEER BROOK SUBN
Legal Lot Number	4
Jurisdiction	CLAY NC
Township / Civil Division	HIAWASSEE
Census Block Group	1
Census Block	1007
Census Tract	950101

Owner

20 Deerbrook Cir is owned and occupied by an individual who bought it in March 2026.

Source: Clay County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	20 DEERBROOK CIR, HAYESVILLE, NC 28904-4685
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 24, 2022	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Prior Sale	May 24, 2022 · Amount on File
Deed Document Number	2026617
Deed Book / Page	490 / 246
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 31, 2026
Property Address	20 DEERBROOK CIR, HAYESVILLE, NC 28904-4685
Document Number	000490/246
Book / Page	490 / 246
Map Reference	CAB 2 SL 740
Instrument Date	Mar 31, 2026
Instrument	2026000617
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$766.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 WORLEY DR, BLAIRSVILLE, GA 30512-4006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 DEERBROOK CIR, HAYESVILLE, NC 28904-4685

Mortgage

Document Number	000B17/428
Date	Mar 31, 2026
Book Page	B17/428
Instrument	2026000618

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	May 24, 2022
Property Address	20 DEERBROOK CIR, HAYESVILLE, NC 28904-4685
Document Number	0000465/46
Book / Page	465 / 46
Map Reference	CAB 2 SL 740
Instrument Date	May 24, 2022
Instrument	2022001396
Transaction Type	Transfer
Record Updated	Jun 7, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 DEERBROOK CIR, 20, HAYESVILLE, NC 28904-4685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 DEERBROOK CIR, HAYESVILLE, NC 28904-4685

Mortgage

Document Number	2022001397
Date	May 24, 2022
Instrument	2022001397

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Index	5-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 20 Deerbrook Cir was $1,232, up 15.9% from the year before.

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	$1,232.00 (+15.9%)	$365,200 (+78.23%) Land $36,400 Building $328,800	$365,200 (+78.23%) Land $36,400 Building $328,800
2025	$1,063.00	$204,900 Land $36,400 Building $168,500	$204,900 Land $36,400 Building $168,500
2023	$942.00	$204,900 Land $36,400 Building $168,500	$204,900 Land $36,400 Building $168,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Deerbrook Cir 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

Wildfire risk around 20 Deerbrook Cir is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Blue Ridge Mountain EMC.

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