265 Rivers Edge Dr, Hayesville, NC 28904 Property Records

Clay County property record for 265 Rivers Edge Dr, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 2001
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual on Record
Last Sale	$380,000 (Apr 2023)
Tax Bill	$936 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`556013036747`

Property Details

APN / Parcel Number

Primary APN	`556013036747`
Alternative APNs	`617052000` `622263000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,770 sqft Heated Area

Exterior

Year Built	Built 2001
Lot Area	24,829 sqft (0.569 acres)

Location & Zoning

Account Number	622263000
Street Address	265 RIVERS EDGE DR
City	HAYESVILLE
State	NC
Zip	28904-6519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 RIVERS EDGE
Legal Lot Number	5
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1065
Census Tract	950102

Owner

Source: Clay County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	1305 WINDWARD DR, OSPREY, FL 34229-9148
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Apr 28, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 15, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	0000047531
Deed Book / Page	475 / 31
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	265 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000I15/33
Date	Jun 29, 2020
Book Page	I15/33
Instrument	2020001429

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Feb 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	265 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000Y15/27
Date	Apr 19, 2021
Book Page	Y15/27
Instrument	2021001369

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Apr 28, 2023
Property Address	265 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519
Document Number	0000475/31
Book / Page	475 / 31
Map Reference	CAB 3 SL 420
Instrument Date	Apr 28, 2023
Instrument	2023000834
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 WINDWARD DR, OSPREY, FL 34229-9148

Mortgage

Document Number	2023000835
Date	Apr 28, 2023
Instrument	2023000835

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jan 15, 2019
Property Address	265 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519
Document Number	00426/0234
Book / Page	426 / 0234
Map Reference	CAB 3 SL 420
Instrument Date	Jan 9, 2019
Instrument	2019000106
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519

Mortgage

Document Number	2019000107
Date	Jan 15, 2019
Instrument	2019000107

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Clay County assessment roll, as of January 1, 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	$936.00 (+14.43%)	$178,000 (-) Land $53,000 Building $125,000	$178,000 (-) Land $53,000 Building $125,000
2023	$818.00	$178,000 Land $53,000 Building $125,000	$178,000 Land $53,000 Building $125,000

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 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

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLAY CO WATER & SEWER DISTRICT serves 1,965 people · EPA ID NC0122010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 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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