285 McCracken Pt, Hayesville, NC 28904 Property Records

Clay County property record for 285 McCracken Pt, Hayesville, NC 28904 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,864 sqft · built 2024
Lot Size	1.65 acres (72,005 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Mar 2022)
Tax Bill	$3,629 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`548901156385`

Property Details

APN / Parcel Number

Primary APN	`548901156385`
Alternative APNs	`620900000` `2991301`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,864 sqft Heated Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	72,005 sqft (1.65 acres)

Location & Zoning

Account Number	620900000
Street Address	285 MCCRACKEN PT
City	HAYESVILLE
State	NC
Zip	28904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 REV MCCRACKEN POINTE
Legal Subdivision	MCCRACKEN POINTE SUBDIVISION
Legal Lot Number	4
Jurisdiction	CLAY NC
Township / Civil Division	HIAWASSEE
Census Block Group	2
Census Block	2053
Census Tract	950101

Owner

Source: Clay County records · APN 548901156385

Assessment roll updated October 16, 2025 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	195 N MAIN ST, A, HIAWASSEE, GA 30546-2277
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY
Mar 08, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 08, 2022 · Amount on Record
Deed Sale	Mar 08, 2022 · Amount on Record
Deed Document Number	2022623
Deed Book / Page	462 / 189
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Recording Date	Apr 28, 2026
Property Address	285 MCCRACKEN PT, HAYESVILLE, NC 28904
Document Number	0000000854
Book / Page	17 / 469
Instrument Date	Apr 22, 2026
Instrument	2026854
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 MCCRACKEN PT, HAYESVILLE, NC 28904

Mortgage

Document Number	0000000854,
Date	Apr 28, 2026
Book Page	17/469
Instrument	2026854

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	285 MCCRACKEN PT, HAYESVILLE, NC 28904-6339
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000W16/31
Date	Jun 15, 2023
Book Page	W16/31
Instrument	2023001143

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	BLAIRSVILLE, GA 30512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jul 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Jul 01, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	11.8%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 08, 2022
Property Address	285 MCCRACKEN PT, HAYESVILLE, NC 28904-6339
Document Number	000462/189
Book / Page	462 / 189
Map Reference	CAB 5 SL 831
Instrument Date	Mar 08, 2022
Instrument	2022000623
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2021 72ND ST NW, BRADENTON, FL 34209-9420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 N MAIN ST UNIT A, A, HIAWASSEE, GA 30546-2277
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated October 16, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Clay County
Unified School District	Clay County Schools (PK - 12)

Tax Bill & Assessment History

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	$3,629.00 (+179.58%)	$734,800 (+160.29%) Land $254,900 Building $479,900	$734,800 (+160.29%) Land $254,900 Building $479,900
2023	$1,298.00	$282,300 (-) Land $254,900 Building $27,400	$282,300 (-) Land $254,900 Building $27,400
2022	$1,298.00	$282,300 Land $254,900 Building $27,400	$282,300 Land $254,900 Building $27,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (37043C), updated May 4, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370439501012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2019, rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 43% of the US · above 63% of North Carolina
Wildfire Likelihood	About 1 in 1,587 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Cable	1,000 / 25
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Blue Ridge Mountain Electric Membership. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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