Clay County property record for 295 Lawrence Smith Rd, Hayesville, NC 28904 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2017 |
| Square Footage | 3,206 sqft Heated Area |
| Lot Size | 534,176 sqft (12.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $63,500 (2016) |
| Tax Bill | $1,914.00 (2025) |
| Primary APN | 556000876192 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,206 sqft Heated Area |
| Year Built | Built 2017 |
|---|---|
| Lot Area | 534,176 sqft (12.2 acres) |
| Account Number | 615523000 |
|---|---|
| Street Address | 295 LAWRENCE SMITH RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6063 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TR 1 LAWRENCE SMITH RD |
| Legal Tract | 1 |
| Jurisdiction | CLAY NC |
| Minor Civil Division | HAYESVILLE |
| Census Blockgroup | 1 |
| Census Block | 1050 |
| Census Tract | 950102 |
Source: Clay County records · APN 556000876192
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-6063 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Dec 11, 2017 | Deed of Trust, Mortgage · Veterans Administration Mortgage NANTAHALA BANK & TRUST COMPANY |
| Sep 22, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2016 · Amount on Record |
| Deed Sale | Apr 26, 2016 · Amount on Record |
| Deed Doc Number | 0000401218 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 295 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-6063 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | D16/25 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | D16/25 |
| Instrument | 2021002806 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | Mar 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 295 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-6063 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | J14/0009 |
|---|---|
| Date | Dec 11, 2017 |
| Book Page | J14/0009 |
| Instrument | 2017002626 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 295 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-6063 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | N15/7 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | N15/7 |
| Instrument | 2020002334 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Feb 01, 2048 |
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 | $1,914.00 (+7.77%) | $386,100 (-) Land $114,500 Building $271,600 | $386,100 (-) Land $114,500 Building $271,600 |
| 2023 | $1,776.00 | $386,100 Land $114,500 Building $271,600 | $386,100 Land $114,500 Building $271,600 |
295 Lawrence Smith Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Clay County (37043C), updated May 4, 2009
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 68th percentile of exposed land nationally · 91st in North Carolina |
|---|---|
| Wildfire Likelihood | High — about 1 in 313 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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