264 Smart Rd, Hayesville, NC 28904 Property Records

Clay County property record for 264 Smart Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,260 sqft · built 1962
Lot Size	5.07 acres (220,893 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jan 2018)
Tax Bill	$883 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557004925015`

Property Details

APN / Parcel Number

Primary APN	`557004925015`
Alternative APN	`616131000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,260 sqft Heated Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	220,893 sqft (5.07 acres)

Location & Zoning

Account Number	616131000
Street Address	264 SMART RD
City	HAYESVILLE
State	NC
Zip	28904-6362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF HWY 64 EAST
Jurisdiction	CLAY NC
Township / Civil Division	HIAWASSEE
Census Block Group	1
Census Block	1027
Census Tract	950101

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	Individual Name on Record
Mailing Address	264 SMART RD, HAYESVILLE, NC 28904-6362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Jan 31, 2018	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2018 · Amount on Record
Deed Sale	Jan 31, 2018 · Amount on Record
Prior Sale	Jun 15, 2005 · Amount on Record
Deed Document Number	2018227
Deed Book / Page	417 / 65
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	264 SMART RD, HAYESVILLE, NC 28904-6362
Transaction Type	Mortgage
Record Updated	Sep 15, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000Y16/31
Date	Aug 30, 2023
Book Page	Y16/31
Instrument	2023001730

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	264 SMART RD, HAYESVILLE, NC 28904-6362
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	H16/28
Date	Nov 24, 2021
Book Page	H16/28
Instrument	2021003865

Lender

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

Agreement

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

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jan 31, 2018
Property Address	264 SMART RD, HAYESVILLE, NC 28904-6362
Document Number	417/0065
Book / Page	417 / 0065
Instrument Date	Jan 25, 2018
Instrument	2018000227
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 SMART RD, HAYESVILLE, NC 28904-6362

Mortgage

Document Number	2018000228
Date	Jan 31, 2018
Instrument	2018000228

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Index	5-Year CMT
Max Rate	4.25%

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	$883.00 (+11.07%)	$250,800 (+71.66%) Land $113,700 Building $137,100	$250,800 (+71.66%) Land $113,700 Building $137,100
2025	$795.00 (+16.57%)	$146,100 (-) Land $78,000 Building $68,100	$146,100 (-) Land $78,000 Building $68,100
2023	$682.00	$146,100 Land $78,000 Building $68,100	$146,100 Land $78,000 Building $68,100

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.09% 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 55 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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