Clay County property record for 319 Lawrence Smith Rd, Hayesville, NC 28904 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,072 sqft · built 2021 |
| Lot Size | 16.5 acres (721,702 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,888 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 556000874709 |
| Primary APN | 556000874709 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,072 sqft Heated Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 721,702 sqft (16.5 acres) |
| Account Number | 7480302 |
|---|---|
| Street Address | 319 LAWRENCE SMITH RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-1297 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 5 LAWRENCE SMITH RD |
| Legal Subdivision | BOUNDARY SURVEY LEISA ANN NELSON |
| Legal Tract | 5 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 950102 |
Source: Clay County records · APN 556000874709
Assessment roll updated October 16, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 319 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-1297 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY |
| Apr 18, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 319 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-1297 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000T15/35 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | T15/35 |
| Instrument | 2021000265 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Feb 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Feb 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.99% |
| Index | 1-Year CMT |
| Max Rate | 8.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 319 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-1297 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00000W15/6 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | W15/6 |
| Instrument | 2021000844 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Feb 01, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 319 LAWRENCE SMITH RD, HAYESVILLE, NC 28904-1297 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000V16/28 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | V16/28 |
| Instrument | 2023000761 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | HAYESVILLE, NC 28904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County records · Assessment roll updated October 16, 2025 · Last verified July 2026
| 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 | $2,888.00 (+5.83%) | $593,400 (-) Land $146,800 Building $446,600 | $593,400 (-) Land $146,800 Building $446,600 |
| 2023 | $2,729.00 | $593,400 Land $146,800 Building $446,600 | $593,400 Land $146,800 Building $446,600 |
Source: FEMA National Flood Hazard Layer, Clay County (37043C), updated May 4, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370439501021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 45 individual NFIP policies nearby |
| Nearby Flood Policies | 45 in force 27 of 45 on primary residences |
| Nearby Flood Claims | 11 (2013–2025) |
| Most Recent Claim | Apr 2025, rainfall accumulation |
| Wildfire Risk | Moderate above 68% of the US · above 91% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 313 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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