Clay County property record for 481 Cold Spring Ln, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,016 sqft · built 1988 |
| Lot Size | 2.81 acres (122,839 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $228,000 (Sep 2019) |
| Tax Bill | $1,416 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 558100894286 |
| Primary APN | 558100894286 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,016 sqft Heated Area |
| Year Built | Built 1988 |
|---|---|
| Lot Area | 122,839 sqft (2.81 acres) |
| Account Number | 617780000 |
|---|---|
| Street Address | 481 COLD SPRING LN |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT A |
| Legal Tract | A |
| Jurisdiction | CLAY NC |
| Township / Civil Division | TUSQUITTEE |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 950102 |
Source: Clay County records, as of October 15, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 481 COLD SPRING LN, HAYESVILLE, NC 28904-6118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Feb 27, 2018 | Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Oct 19, 2006 · Amount on Record |
| Deed Document Number | 0000433188 |
| Deed Book / Page | 433 / 188 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Sep 16, 2019 |
| Property Address | 481 COLD SPRING LN, HAYESVILLE, NC 28904-6118 |
| Document Number | 433/0188 |
| Book / Page | 433 / 0188 |
| Map Reference | CAB 4 SL 1491 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 2019002146 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $456.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3915 MANOR HOUSE DR, MARIETTA, GA 30062-5032 |
| Document Number | 2019002147 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 2019002147 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 481 COLD SPRING LN, HAYESVILLE, NC 28904-6118 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2018 |
| Name | Verified Name |
|---|
| Document Number | K14/0054 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | K14/0054 |
| Instrument | 2018000380 |
| Name | NANTAHALA BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | HAYESVILLE, NC 28904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 23, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,416.00 (+9.94%) | $280,000 (-) Land $78,200 Building $201,800 | $280,000 (-) Land $78,200 Building $201,800 |
| 2023 | $1,288.00 | $280,000 Land $78,200 Building $201,800 | $280,000 Land $78,200 Building $201,800 |
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Oct 2021 · river or lake flooding |
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 63% of the US · above 85% 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.
Source: FCC Broadband Data Collection, based on 17 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 |
| Frontier DSL | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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