Clay County property record for 302 Cherrywood Cir, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,512 sqft · built 1990 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $813 (2026) |
| Deeds & Mortgages | Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 545900587647 |
| Primary APN | 545900587647 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,512 sqft Heated Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 20,038 sqft (0.46 acres) |
| Account Number | 1699304 |
|---|---|
| Street Address | 302 CHERRYWOOD CIR |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 CHERRYWOODS II |
| Legal Lot Number | 15 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 950201 |
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 | Trust Name on Record |
|---|---|
| Mailing Address | 11 WESTWOOD DR, ASHEVILLE, NC 28806-2025 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 302 CHERRYWOOD CIR, HAYESVILLE, NC 28904-6946 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | I14/0013 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | I14/0013 |
| Instrument | 2017002382 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $813.00 (+5.45%) | $225,200 (+66.2%) Land $32,500 Building $192,700 | $225,200 (+66.2%) Land $32,500 Building $192,700 |
| 2025 | $771.00 (+15.42%) | $135,500 (-) Land $25,000 Building $110,500 | $135,500 (-) Land $25,000 Building $110,500 |
| 2023 | $668.00 | $135,500 Land $25,000 Building $110,500 | $135,500 Land $25,000 Building $110,500 |
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 |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 75% 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: FCC Broadband Data Collection, based on 19 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 |
5G (outdoors only) and 4G LTE
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