281 Cherrywood Cir, Hayesville, NC 28904 Property Records

Clay County property record for 281 Cherrywood Cir, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,128 sqft · built 1992
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Company Names on Record
Last Sale	$145,000 (Apr 2018)
Tax Bill	$914 (2026)
Deeds & Mortgages	Aug 2026 Sale Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`545900588693`

Property Details

APN / Parcel Number

Primary APN	`545900588693`
Alternative APN	`617093000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Building Area	2,128 sqft Heated Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	25,700 sqft (0.59 acres)

Location & Zoning

Account Number	617093000
Street Address	281 CHERRYWOOD CIR
City	HAYESVILLE
State	NC
Zip	28904-7368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 CHERRYWOOD II
Legal Subdivision	CHERRY WOODS II SUBDIVISION
Legal Lot Number	19
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2009
Census Tract	950201

Owner

Source: Clay County records, as of October 19, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 5, 2023	Deed of Trust, Mortgage · Loan Assumption FIRST RELIANCE MORTGAEG
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK
Apr 2, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Prior Sale	Jul 17, 2007 · Amount on Record
Deed Document Number	2018679
Deed Book / Page	418 / 203
Last Transfer Date	Aug 6, 2026
Transfer Doc	0000001815
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Aug 7, 2026
Property Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368
Document Number	0000001815
Book / Page	492 / 144
Instrument Date	Aug 6, 2026
Instrument	20261815
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000476/15
Date	Jun 5, 2023
Book Page	476/15
Instrument	2023001085

Lender

Name	FIRST RELIANCE MORTGAEG
Type	Non-Lending Institution

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	151 Months
Due	Jan 1, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R15/46
Date	Dec 18, 2020
Book Page	R15/46
Instrument	2020003401

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Apr 2, 2018
Property Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368
Document Number	418/0203
Book / Page	418 / 0203
Instrument Date	Mar 30, 2018
Instrument	2018000679
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3920 BLUE RIDGE HWY, 3920, BLAIRSVILLE, GA 30512-4161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368

Mortgage

Document Number	2018000680
Date	Apr 2, 2018
Instrument	2018000680

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

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	$914.00 (+9.33%)	$259,300 (+69.48%) Land $32,500 Building $226,800	$259,300 (+69.48%) Land $32,500 Building $226,800
2025	$836.00 (+18.92%)	$153,000 (-) Land $25,000 Building $128,000	$153,000 (-) Land $25,000 Building $128,000
2023	$703.00	$153,000 Land $25,000 Building $128,000	$153,000 Land $25,000 Building $128,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 19 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

Nearby Properties on Cherrywood Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures