Clay County property record for 260 Roach Cove Rd, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1950 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $294 (2026) |
| Deeds & Mortgages | Jun 2019 Line of Credit Feb 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 553100696951 |
| Primary APN | 553100696951 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 896 sqft Heated Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 616293000 |
|---|---|
| Street Address | 260 ROACH COVE RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-7700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1301 ROACH COVE RD |
| Legal Tract | 1 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | SWEETWATER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950102 |
260 Roach Cove Rd, a single family home, is owned by two individuals.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 61 ROACH RD, HAYESVILLE, NC 28904-7704 |
| 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 |
|---|---|
| Jun 24, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Feb 26, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 260 ROACH COVE RD, HAYESVILLE, NC 28904-7700 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2019 |
| Name | Verified Name |
|---|
| Document Number | X14/0001 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | X14/0001 |
| Instrument | 2019001343 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Feb 26, 2018 |
| Property Address | 260 ROACH COVE RD, HAYESVILLE, NC 28904-7700 |
| Document Number | 417/0165 |
| Book / Page | 417 / 0165 |
| Map Reference | CAB 5 SL 754 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 2018000356 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 448 REBEL LN, 448, HAYESVILLE, NC 28904-7688 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 61 ROACH RD, HAYESVILLE, NC 28904-7704 |
The 2026 property tax bill for 260 Roach Cove Rd was $294, down 23.4% 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 | $294.00 (-23.44%) | $62,700 (+3.64%) Land $32,500 Building $30,200 | $62,700 (+3.64%) Land $32,500 Building $30,200 |
| 2025 | $384.00 | $60,500 Land $25,000 Building $35,500 | $60,500 Land $25,000 Building $35,500 |
| 2023 | $278.00 | $60,500 Land $25,000 Building $35,500 | $60,500 Land $25,000 Building $35,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 260 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 260 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 27 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 (outdoors only), no 5G reported
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