Clay County property record for 291 School Dr, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 994 sqft · built 1940 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Jan 2006) |
| Tax Bill | $578 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 555016931910 |
| Primary APN | 555016931910 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 994 sqft Heated Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 87,120 sqft (2 acres) |
| Account Number | 10663301 |
|---|---|
| Street Address | 291 SCHOOL DR |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-4708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 24 25 J DEHART SUB |
| Legal Subdivision | DEHART SUB |
| Legal Lot Number | 24,25 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 2 |
| Census Block | 2080 |
| Census Tract | 950202 |
Source: Clay County records, as of July 17, 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 Record |
|---|---|
| Mailing Address | 291 SCHOOL DR, HAYESVILLE, NC 28904-4708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2006 · Amount on Record |
| Deed Sale | Jan 26, 2006 · Amount on Record |
| Deed Document Number | 2006405 |
| Deed Book / Page | 300 / 111 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Jul 9, 2026 |
| Property Address | 291 SCHOOL DR, HAYESVILLE, NC 28904-4708 |
| Document Number | 0000001519 |
| Book / Page | 17 / 76 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 20261519 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 291 SCHOOL DR, HAYESVILLE, NC 28904-4708 |
| Document Number | 0000001519, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 17/76 |
| Instrument | 20261519 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 8, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
Source: Clay County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $578.00 (+23.5%) | $101,800 (-) Land $37,500 Building $64,300 | $101,800 (-) Land $37,500 Building $64,300 |
| 2023 | $468.00 | $101,800 Land $37,500 Building $64,300 | $101,800 Land $37,500 Building $64,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 27 policies |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Jan 2013 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 110 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 |
May also be available: T-Mobile.
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