208 Oak Forest Cir, Hayesville, NC 28904 Property Records

Clay County property record for 208 Oak Forest Cir, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,481 sqft · built 2005
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (May 2026)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	May 2013 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`556000731927`

Property Details

APN / Parcel Number

Primary APN	`556000731927`
Alternative APN	`2350307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,481 sqft Heated Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	53,579 sqft (1.23 acres)

Location & Zoning

Account Number	2350307
Street Address	208 OAK FOREST CIR
City	HAYESVILLE
State	NC
Zip	28904-5820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 OAK FOREST ACRES
Legal Subdivision	OAK FOREST ACRES SUBDIVISION
Legal Lot Number	1
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1018
Census Tract	950101

Owner

Source: Clay County records, as of May 28, 2026

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 Record
Mailing Address	208 OAK FOREST CIR, HAYESVILLE, NC 28904-5820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 24, 2013	Deed of Trust, Mortgage · ARM LOCAL GOVERNMENT FCU
May 15, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Jul 27, 2015 · Amount on Record
Deed Document Number	20261016
Deed Book / Page	491 / 45
Prior Transfer Date	Mar 13, 2013
Prior Transfer Doc	375/041
Record Updated	Sep 20, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	208 OAK FOREST CIR, HAYESVILLE, NC 28904-5820
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000W12/015
Date	May 24, 2013
Book Page	W12/015
Instrument	2013001201

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Change Frequency	2 Years
Min Rate At Change	2.75%
Index	1-Year CMT
Margin	1
Max Rate	8.75%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	May 15, 2026
Property Address	208 OAK FOREST CIR, HAYESVILLE, NC 28904-5820
Document Number	0000001016
Book / Page	491 / 45
Instrument Date	May 15, 2026
Instrument	2026.1016
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 OAK FOREST CIR, HAYESVILLE, NC 28904-5820

Mortgage

Document Number	0000001017,
Date	May 15, 2026
Instrument	2026..1017

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
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	$1,192.00 (+11.51%)	$232,400 (-) Land $42,300 Building $190,100	$232,400 (-) Land $42,300 Building $190,100
2023	$1,069.00	$232,400 Land $42,300 Building $190,100	$232,400 Land $42,300 Building $190,100

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

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
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

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

Wildfire Risk	Moderate above 62% of the US · above 85% of North Carolina
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 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

Cell Coverage

5G (outdoors only) and 4G LTE

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