465 Broadtree Rdg, Hayesville, NC 28904 Property Records

Clay County property record for 465 Broadtree Rdg, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,396 sqft · built 2006
Lot Size	2.11 acres (91,912 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Dec 2021)
Tax Bill	$3,148 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`556200802303`

Property Details

APN / Parcel Number

Primary APN	`556200802303`
Alternative APN	`620646000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,396 sqft Heated Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	91,912 sqft (2.11 acres)

Location & Zoning

Account Number	620646000
Street Address	465 BROADTREE RDG
City	HAYESVILLE
State	NC
Zip	28904-0309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 SHELTON SPRINGS
Legal Subdivision	SHELTON SPRINGS SUBDIVISION
Legal Lot Number	20
Jurisdiction	CLAY NC
Township / Civil Division	TUSQUITTEE
Census Block Group	1
Census Block	1000
Census Tract	950102

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	465 BROADTREE RDG, HAYESVILLE, NC 28904-0309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Dec 17, 2021	Warranty Deed, Transfer · Commercial Mortgage NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Prior Sale	Mar 13, 2009 · Amount on Record
Deed Document Number	20214147
Deed Book / Page	460 / 113
Prior Transfer Date	Feb 21, 2013
Prior Transfer Doc	000374/097
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	465 BROADTREE RDG, HAYESVILLE, NC 28904-0309
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000Y16/12
Date	Aug 16, 2023
Book Page	Y16/12
Instrument	2023001619

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Dec 17, 2021
Property Address	465 BROADTREE RDG, HAYESVILLE, NC 28904-0309
Document Number	000460/113
Book / Page	460 / 113
Map Reference	CAB 4 SL 1771
Instrument Date	Dec 17, 2021
Instrument	2021004147
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5521 WHIPPOORWILL RD, SEBRING, FL 33875-6317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 BROADTREE RDG, HAYESVILLE, NC 28904-0309

Mortgage

Document Number	2021004148
Date	Dec 17, 2021
Instrument	2021004148

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2051

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	$3,148.00 (+39.79%)	$983,300 (+114.69%) Land $71,100 Building $912,200	$983,300 (+114.69%) Land $71,100 Building $912,200
2025	$2,252.00 (+6.93%)	$458,000 (-) Land $71,100 Building $386,900	$458,000 (-) Land $71,100 Building $386,900
2023	$2,106.00	$458,000 Land $71,100 Building $386,900	$458,000 Land $71,100 Building $386,900

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 86% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Verizon.

Cell Coverage

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

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