Clay County property record for 3 Mill St, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,218 sqft · built 1901 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $491 (2026) |
| Deeds & Mortgages | Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 555012965865 |
| Primary APN | 555012965865 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 1,218 sqft Heated Area |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1901 |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 8959301 |
|---|---|
| Street Address | 3 MILL ST |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6282 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOWN BELOW OLD MILL |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 950202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3 MILL ST, HAYESVILLE, NC 28904-6282 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 3 MILL ST, HAYESVILLE, NC 28904-6282 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 3 MILL ST, HAYESVILLE, NC 28904-6282 |
| Document Number | 0000B16/53 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | B16/53 |
| Instrument | 2021002364 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BREVARD, NC 28712 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 4, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Municipality | Hayesville Town |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $491.00 (-5.03%) | $121,400 (+36.71%) Land $39,000 Building $82,400 | $121,400 (+36.71%) Land $39,000 Building $82,400 |
| 2025 | $517.00 (+26.72%) | $88,800 (-) Land $30,000 Building $58,800 | $88,800 (-) Land $30,000 Building $58,800 |
| 2023 | $408.00 | $88,800 Land $30,000 Building $58,800 | $88,800 Land $30,000 Building $58,800 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Moderate above 48% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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