Clay County property record for 280 Rivers Edge Dr, Hayesville, NC 28904 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,928 sqft Heated Area |
| Lot Size | 20,473 sqft (0.469 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $1,011.00 (2025) |
| Primary APN | 556013038694 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,928 sqft Heated Area |
| Year Built | Built 2004 |
|---|---|
| Lot Area | 20,473 sqft (0.469 acres) |
| Account Number | 8323301 |
|---|---|
| Street Address | 280 RIVERS EDGE DR |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6519 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 26 RIVERS EDGE |
| Legal Lot Number | 26 |
| Jurisdiction | CLAY NC |
| Minor Civil Division | HAYESVILLE |
| Census Blockgroup | 1 |
| Census Block | 1065 |
| Census Tract | 950102 |
Source: Clay County records · APN 556013038694
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 280 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 01, 2017 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Nov 06, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Sep 20, 2023 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 14, 2010 |
| Deed Sale | Sep 14, 2010 |
| Prior Sale | Mar 08, 2010 · Amount on Record |
| Deed Doc Number | 0000352126 |
| Deed Book / Page | 352 / 126 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 280 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 000014/015 |
|---|---|
| Date | Mar 01, 2017 |
| Book Page | 014/015 |
| Instrument | 2017000442 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HIAWASSEE, GA 30546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 31, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 280 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 280 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519 |
| Document Number | 0000P15/18 |
|---|---|
| Date | Nov 06, 2020 |
| Book Page | P15/18 |
| Instrument | 2020002894 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HIAWASSEE, GA 30546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 05, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 280 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 280 RIVERS EDGE DR, HAYESVILLE, NC 28904-6519 |
| Document Number | 00000Z16/5 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | Z16/5 |
| Instrument | 2023001880 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30512 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Aug 25, 2033 |
Source: Clay County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,011.00 (+10.49%) | $177,100 (-) Land $28,200 Building $148,900 | $177,100 (-) Land $28,200 Building $148,900 |
| 2023 | $915.00 | $177,100 Land $28,200 Building $148,900 | $177,100 Land $28,200 Building $148,900 |
Source: FEMA National Flood Hazard Layer, Clay County (37043C), updated May 4, 2009 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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