3 Elf School Ln, Hayesville, NC 28904 Property Records

Clay County property record for 3 Elf School Ln, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,490 sqft · built 2014
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,780 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`547902962632L2I`

Property Details

APN / Parcel Number

Primary APN	`547902962632L2I`
Alternative APN	`614829000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,490 sqft Heated Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	2,614 sqft (0.06 acres)

Location & Zoning

Account Number	614829000
Street Address	3 ELF SCHOOL LN
City	HAYESVILLE
State	NC
Zip	28904-0429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PH 2 LT 2I WATERS EDGE
Legal Subdivision	WATERS EDGE SUBDIVISION
Legal Phase	2
Legal Lot Number	2I
Jurisdiction	CLAY NC
Township / Civil Division	HIAWASSEE
Census Block Group	1
Census Block	1038
Census Tract	950101

Owner

Source: Clay County records, as of October 15, 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	3 ELF SCHOOL LN, HAYESVILLE, NC 28904-0429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Recording Date	Sep 15, 2026
Property Address	3 ELF SCHOOL LN, HAYESVILLE, NC 28904-0429
Document Number	0000002175
Book / Page	17 / 175
Instrument Date	Aug 28, 2026
Instrument	20262175
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ELF SCHOOL LN, HAYESVILLE, NC 28904-0429

Mortgage

Document Number	0000002175,
Date	Sep 15, 2026
Book Page	17/175
Instrument	20262175

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 2, 2051

Interest

Max Rate	-1%

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	$2,780.00 (+33.46%)	$842,300 (+109.84%) Land $150,000 Building $692,300	$842,300 (+109.84%) Land $150,000 Building $692,300
2025	$2,083.00 (+4.88%)	$401,400 (-) Land $40,000 Building $361,400	$401,400 (-) Land $40,000 Building $361,400
2023	$1,986.00	$401,400 Land $40,000 Building $361,400	$401,400 Land $40,000 Building $361,400

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	3 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	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 81 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