215 Cold Spring Ln, Hayesville, NC 28904 Property Records

Clay County property record for 215 Cold Spring Ln, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,035 sqft · built 1999
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$527,000 (Aug 2021)
Tax Bill	$1,278 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`558100792606`

Property Details

APN / Parcel Number

Primary APN	`558100792606`
Alternative APN	`9009301`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Building Area	2,035 sqft Heated Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	47,045 sqft (1.08 acres)

Location & Zoning

Account Number	9009301
Street Address	215 COLD SPRING LN
City	HAYESVILLE
State	NC
Zip	28904-6392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 PHOENIX RETREAT SI
Legal Subdivision	PHOENIX RETREAT SITES
Legal Lot Number	2
Jurisdiction	CLAY NC
Township / Civil Division	TUSQUITTEE
Census Block Group	2
Census Block	2063
Census Tract	950102

Owner

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	2 Individual Names on Record
Mailing Address	10389 159TH CT W, JUPITER, FL 33478
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Deed Document Number	20212662
Deed Book / Page	455 / 220
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Aug 9, 2021
Property Address	215 COLD SPRING LN, HAYESVILLE, NC 28904-6392
Document Number	000455/220
Book / Page	455 / 220
Map Reference	CAB 2 SL 467
Instrument Date	Jul 28, 2021
Instrument	2021002662
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10389 159TH CT N, JUPITER, FL 33478-9352

Mortgage

Document Number	2021002664
Date	Aug 9, 2021
Instrument	2021002664

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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	$1,278.00 (+12.6%)	$380,000 (+72.41%) Land $50,800 Building $329,200	$380,000 (+72.41%) Land $50,800 Building $329,200
2025	$1,135.00 (+12.04%)	$220,400 (-) Land $50,800 Building $169,600	$220,400 (-) Land $50,800 Building $169,600
2023	$1,013.00	$220,400 Land $50,800 Building $169,600	$220,400 Land $50,800 Building $169,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Oct 2021 · river or lake flooding

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

No cell data coverage reported

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