Clay County property record for 381 River Oaks Dr, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 4,748 sqft · built 2001 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Nov 2011) |
| Tax Bill | $2,272 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 555100744904 |
| Primary APN | 555100744904 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,748 sqft Heated Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 46,609 sqft (1.07 acres) |
| Account Number | 10439301 |
|---|---|
| Street Address | 381 RIVER OAKS DR |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-7867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 35 RIVER OAKS |
| Legal Subdivision | RIVER OAKS SUBDIVISION |
| Legal Lot Number | 35 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 950102 |
Source: Clay County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 381 RIVER OAKS DR, HAYESVILLE, NC 28904-7867 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2011 · Amount on Record |
| Deed Sale | Nov 29, 2011 · Amount on Record |
| Deed Document Number | 20112827 |
| Deed Book / Page | 363 / 59 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 381 RIVER OAKS DR, HAYESVILLE, NC 28904-7867 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000L16/38 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | L16/38 |
| Instrument | 2022000792 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
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 | $2,272.00 (+10.67%) | $658,400 (+76.51%) Land $43,000 Building $615,400 | $658,400 (+76.51%) Land $43,000 Building $615,400 |
| 2025 | $2,053.00 (+19.71%) | $373,000 (-) Land $40,000 Building $333,000 | $373,000 (-) Land $40,000 Building $333,000 |
| 2023 | $1,715.00 | $373,000 Land $40,000 Building $333,000 | $373,000 Land $40,000 Building $333,000 |
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 |
| Flood Insurance Cost | Premium on Record median of 45 policies |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 11 (2013–2025) |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
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 58% of the US · above 80% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Cable | 1,000 / 25 |
| Starlink Satellite | 280 / 30 |
May also be available: Blue Ridge Mountain EMC, T-Mobile.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures