29 River Bluff Dr, Hayesville, NC 28904 Property Records

Clay County property record for 29 River Bluff Dr, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,564 sqft · built 2000
Lot Size	0.956 acres (41,643 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Apr 2023)
Tax Bill	$1,385 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`555100663243`

Property Details

APN / Parcel Number

Primary APN	`555100663243`
Alternative APNs	`619987000` `622261000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Building Area	2,564 sqft Heated Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	41,643 sqft (0.956 acres)

Location & Zoning

Account Number	622261000
Street Address	29 RIVER BLUFF DR
City	HAYESVILLE
State	NC
Zip	28904-7936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT M RIVEROAKS II
Legal Subdivision	RIVER OAKS II
Legal Lot Number	M
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1031
Census Tract	950102

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 File
Mailing Address	29 RIVER BLUFF DR, HAYESVILLE, NC 28904-7936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Jul 5, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 1, 2021	Warranty Deed, Transfer
Jul 10, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2023 · Amount on File
Deed Sale	Apr 21, 2023 · Amount on File
Prior Sale	Oct 1, 2021 · Amount on File
Deed Document Number	2023795
Deed Book / Page	475 / 5
Prior Transfer Date	Jun 19, 2017
Prior Transfer Doc	000411/209
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Apr 21, 2023
Property Address	29 RIVER BLUFF DR, HAYESVILLE, NC 28904-7936
Document Number	00000475/5
Book / Page	475 / 5
Map Reference	CAB 6 SL 662
Instrument Date	Apr 21, 2023
Instrument	2023000795
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	355 DYER COVE RD, HAYESVILLE, NC 28904-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 RIVER BLUFF DR, HAYESVILLE, NC 28904-7936

Mortgage

Document Number	2023000796
Date	Apr 21, 2023
Instrument	2023000796

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	29 RIVER BLUFF DR, HAYESVILLE, NC 28904-7936
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00O14/0019
Date	Jul 5, 2018
Book Page	O14/0019
Instrument	2018001521

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Oct 1, 2021
Property Address	29 RIVER BLUFF DR, HAYESVILLE, NC 28904-7936
Document Number	000457/146
Book / Page	457 / 146
Map Reference	CAB 3 SL 49
Instrument Date	Oct 1, 2021
Instrument	2021003206
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 RIVER BLUFF DR, 29, HAYESVILLE, NC 28904-7936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 DYER COVE RD, HAYESVILLE, NC 28904-4543
Investor	Possibly a Property Investor

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Jul 10, 2017
Property Address	29 RIVER BLUFF DR, HAYESVILLE, NC 28904-7936
Document Number	000411/209
Book / Page	411 / 209
Map Reference	CAB 3 SL 49
Instrument Date	Jun 19, 2017
Instrument	2017001375
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 784, HAYESVILLE, NC 28904-0784

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	$1,385.00 (+31.4%)	$414,800 (+104.23%) Land $43,000 Building $371,800	$414,800 (+104.23%) Land $43,000 Building $371,800
2025	$1,054.00 (+12.85%)	$203,100 (-) Land $40,000 Building $163,100	$203,100 (-) Land $40,000 Building $163,100
2023	$934.00	$203,100 Land $40,000 Building $163,100	$203,100 Land $40,000 Building $163,100

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
Flood Insurance Cost	Premium on File 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 65% of the US · above 87% of North Carolina
Wildfire Likelihood	0.2% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30

May also be available: Blue Ridge Mountain EMC, T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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