Clay County property record for 227 Payne Rd, Brasstown, NC 28902
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,679 sqft · built 1975 |
| Lot Size | 1.18 acres (51,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Dec 2017) |
| Tax Bill | $703 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 542900052104 |
| Primary APN | 542900052104 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 1,679 sqft Heated Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Lot Area | 51,401 sqft (1.18 acres) |
| Account Number | 619626000 |
|---|---|
| Street Address | 227 PAYNE RD |
| City | BRASSTOWN |
| State | NC |
| Zip | 28902-8560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1182 LEE PAYNE RD |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 950202 |
227 Payne Rd is owned and occupied by two individuals who acquired it in March 2021.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 227 PAYNE RD, BRASSTOWN, NC 28902-8560 |
| 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 |
|---|---|
| Mar 11, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Dec 28, 2017 | Warranty Deed, Transfer · Seller Carry-Back JOHN GESSMAN ETAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2017 · Amount on File |
| Deed Sale | Dec 28, 2017 · Amount on File |
| Deed Document Number | 20172762 |
| Deed Book / Page | 416 / 97 |
| Last Transfer Date | Mar 5, 2021 |
| Transfer Doc | 450/115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Mar 11, 2021 |
| Property Address | 227 PAYNE RD, BRASSTOWN, NC 28902-8560 |
| Document Number | 450/115 |
| Book / Page | 450 / 115 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 2021000849 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 227 PAYNE RD, BRASSTOWN, NC 28902-8560 |
| Document Number | 2021000850 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 2021000850 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Dec 28, 2017 |
| Property Address | 227 PAYNE RD, BRASSTOWN, NC 28902-8560 |
| Document Number | 416/0097 |
| Book / Page | 416 / 0097 |
| Map Reference | MB 198 PG 46 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 2017002762 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 CRYSTAL CV, 51, MURPHY, NC 28906-1714 |
| Name | Verified Name |
|---|---|
| Address | 227 PAYNE RD, BRASSTOWN, NC 28902-8560 |
| Document Number | 2017002763 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 2017002763 |
| Name | JOHN GESSMAN ETAL |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Dec 27, 2020 |
The 2026 property tax bill for 227 Payne Rd was $703, down 6.9% 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 | $703.00 (-6.89%) | $194,700 (+39.67%) Land $34,300 Building $160,400 | $194,700 (+39.67%) Land $34,300 Building $160,400 |
| 2025 | $755.00 | $139,400 Land $26,200 Building $113,200 | $139,400 Land $26,200 Building $113,200 |
| 2023 | $655.00 | $139,400 Land $26,200 Building $113,200 | $139,400 Land $26,200 Building $113,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 227 Payne Rd in Zone X, an area of minimal flood risk, though there have been 4 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 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2013–2021) |
| Most Recent Claim | Aug 2021 · 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 227 Payne 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 86% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Ridge Mountain EMC Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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