44 Echo Hill Dr, Hayesville, NC 28904 Property Records

Clay County property record for 44 Echo Hill Dr, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,073 sqft · built 1998
Lot Size	0.72 acres (31,363 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jul 2021)
Tax Bill	$731 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544900346853`

Property Details

APN / Parcel Number

Primary APN	`544900346853`
Alternative APN	`620041000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,073 sqft Heated Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	31,363 sqft (0.72 acres)

Location & Zoning

Account Number	620041000
Street Address	44 ECHO HILL DR
City	HAYESVILLE
State	NC
Zip	28904-7390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 SHADY GROVE HILLS
Legal Subdivision	SHADY GROVE SUBDIVISION
Legal Lot Number	15
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1036
Census Tract	950201

Owner

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	Individual Name on Record
Mailing Address	3887 OLD HIGHWAY 64 E, HAYESVILLE, NC 28904-5176
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 21, 2021	Warranty Deed, Transfer
Jul 10, 2018	Warranty Deed, Transfer · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	20212449
Deed Book / Page	455 / 66
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	44 ECHO HILL DR, HAYESVILLE, NC 28904-7390
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 ECHO HILL DR, HAYESVILLE, NC 28904-7390

Mortgage

Document Number	0000M16/36
Date	Apr 13, 2022
Book Page	M16/36
Instrument	2022001051

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jul 21, 2021
Property Address	44 ECHO HILL DR, HAYESVILLE, NC 28904-7390
Document Number	455/66
Book / Page	455 / 66
Map Reference	CAB 3 SL 159
Instrument Date	Jul 20, 2021
Instrument	2021002449
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 OLD DYER DR, 344, HAYESVILLE, NC 28904-4640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3887 OLD HIGHWAY 64 E, HAYESVILLE, NC 28904-5176

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jul 10, 2018
Property Address	44 ECHO HILL DR, HAYESVILLE, NC 28904-7390
Document Number	421/0214
Book / Page	421 / 0214
Map Reference	CAB 3 SL 159
Instrument Date	Jul 10, 2018
Instrument	2018001550
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 ECHO DR, HAYESVILLE, NC 28904

Mortgage

Document Number	2018001551
Date	Jul 10, 2018
Instrument	2018001551

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$731.00 (+6.25%)	$203,600 (+62.62%) Land $30,000 Building $173,600	$203,600 (+62.62%) Land $30,000 Building $173,600
2025	$688.00 (+17.01%)	$125,200 (-) Land $30,000 Building $95,200	$125,200 (-) Land $30,000 Building $95,200
2023	$588.00	$125,200 Land $30,000 Building $95,200	$125,200 Land $30,000 Building $95,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 55% of the US · above 77% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Windstream.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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