Clay County property record for 305 Elf School Rd, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 4,423 sqft · built 1997 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,934 (2026) |
| Deeds & Mortgages | Mar 2019 Line of Credit Feb 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 548901185313 |
| Primary APN | 548901185313 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,423 sqft Heated Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 39,204 sqft (0.9 acres) |
| Account Number | 617228000 |
|---|---|
| Street Address | 305 ELF SCHOOL RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 PATTON PROP |
| Legal Lot Number | 2 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HIAWASSEE |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 950101 |
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 | 305 ELF SCHOOL RD, HAYESVILLE, NC 28904-6438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Feb 8, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 22, 2019 |
| Transfer Doc | 427/0128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 305 ELF SCHOOL RD, HAYESVILLE, NC 28904-6438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | U14/0025 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | U14/0025 |
| Instrument | 2019000500 |
| 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 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Feb 8, 2019 |
| Property Address | 305 ELF SCHOOL RD, HAYESVILLE, NC 28904-6438 |
| Document Number | 427/0128 |
| Book / Page | 427 / 0128 |
| Map Reference | MB 230 PG 170 |
| Instrument Date | Jan 22, 2019 |
| Instrument | 2019000281 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 ELF SCHOOL RD, HAYESVILLE, NC 28904-6438 |
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 | $1,934.00 (+34.59%) | $1,177,900 (+107.82%) Land $495,000 Building $682,900 | $1,177,900 (+107.82%) Land $495,000 Building $682,900 |
| 2025 | $1,437.00 (+9.78%) | $566,800 (-) Land $247,500 Building $319,300 | $566,800 (-) Land $247,500 Building $319,300 |
| 2023 | $1,309.00 | $566,800 Land $247,500 Building $319,300 | $566,800 Land $247,500 Building $319,300 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 43 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 |
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