332 Cherrywood Cir, Hayesville, NC 28904 Property Records

Clay County property record for 332 Cherrywood Cir, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,016 sqft · built 1990
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jun 2025)
Tax Bill	$847 (2026)
Deeds & Mortgages	Dec 2023 Sale Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`545900586587`

Property Details

APN / Parcel Number

Primary APN	`545900586587`
Alternative APNs	`624398000` `622942000` `12639302`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,016 sqft Heated Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	24,394 sqft (0.56 acres)

Location & Zoning

Account Number	624398000
Street Address	332 CHERRYWOOD CIR
City	HAYESVILLE
State	NC
Zip	28904-6946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 CHERRYWOODS II
Legal Subdivision	CHERRY WOODS II
Legal Lot Number	16
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2034
Census Tract	950201

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	332 CHERRYWOOD CIR, HAYESVILLE, NC 28904-6946
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Warranty Deed, Transfer
Jan 4, 2023	Warranty Deed, Transfer · Conventional Mortgage PFN LENDING GROUP INC
Nov 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2025 · Amount on Record
Deed Sale	Jun 16, 2025 · Amount on Record
Prior Sale	Jan 4, 2023 · Amount on Record
Deed Document Number	20251201
Deed Book / Page	487 / 187
Prior Transfer Date	Sep 25, 2006
Prior Transfer Doc	000311/087
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Dec 15, 2023
Property Address	332 CHERRYWOOD CIR, HAYESVILLE, NC 28904-6946
Document Number	000481/103
Book / Page	481 / 103
Instrument Date	Dec 13, 2023
Instrument	2023002553
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jan 4, 2023
Property Address	332 CHERRYWOOD CIR, HAYESVILLE, NC 28904-6946
Document Number	0000472/24
Book / Page	472 / 24
Instrument Date	Jan 3, 2023
Instrument	2023000024
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 CHERRYWOOD CIR, HAYESVILLE, NC 28904-7368

Mortgage

Document Number	2023000025
Date	Jan 4, 2023
Instrument	2023000025

Lender

Name	PFN LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	332 CHERRYWOOD CIR, HAYESVILLE, NC 28904-6946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R14/0047
Date	Nov 9, 2018
Book Page	R14/0047
Instrument	2018002582

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2048

Interest

Rate Type	Adjustable Rate

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	$847.00 (+18.13%)	$241,200 (+83.56%) Land $32,500 Building $208,700	$241,200 (+83.56%) Land $32,500 Building $208,700
2025	$717.00 (+18.71%)	$131,400 (-) Land $25,000 Building $106,400	$131,400 (-) Land $25,000 Building $106,400
2023	$604.00	$131,400 Land $25,000 Building $106,400	$131,400 Land $25,000 Building $106,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

Wildfire

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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