481 Watters Rd, Hayesville, NC 28904 Property Records

Clay County property record for 481 Watters Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,275 sqft · built 2005
Lot Size	2.12 acres (92,347 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jan 2021)
Tax Bill	$902 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`544900854698`

Property Details

APN / Parcel Number

Primary APN	`544900854698`
Alternative APN	`619360000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,275 sqft Heated Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	92,347 sqft (2.12 acres)

Location & Zoning

Account Number	619360000
Street Address	481 WATTERS RD
City	HAYESVILLE
State	NC
Zip	28904-7267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 POWERS RIDGE SUBD
Legal Subdivision	POWERS RIDGE SUBD
Legal Lot Number	4
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2029
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	Individual Name on Record
Mailing Address	2364 CHERRY ST, DENVER, CO 80207-3143
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Jun 14, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	202130
Deed Book / Page	448 / 43
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jan 4, 2021
Property Address	481 WATTERS RD, HAYESVILLE, NC 28904-7267
Document Number	448/43
Book / Page	448 / 43
Instrument Date	Dec 31, 2020
Instrument	2021000030
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25319 MARILIA DR, 25319, PUNTA GORDA, FL 33983-5550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2364 CHERRY ST, DENVER, CO 80207-3143

Mortgage

Document Number	2021000031
Date	Jan 4, 2021
Instrument	2021000031

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jun 14, 2019
Property Address	481 WATTERS RD, HAYESVILLE, NC 28904-7267
Document Number	430/0192
Book / Page	430 / 0192
Map Reference	CAB 3 SL 364
Instrument Date	Jun 10, 2019
Instrument	2019001271
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25319 MARILIA DR, PUNTA GORDA, FL 33983-5550

Mortgage

Document Number	2019001272
Date	Jun 14, 2019
Instrument	2019001272

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$902.00 (+18.68%)	$258,000 (+86.28%) Land $50,200 Building $207,800	$258,000 (+86.28%) Land $50,200 Building $207,800
2025	$760.00 (+19.31%)	$138,500 (-) Land $38,400 Building $100,100	$138,500 (-) Land $38,400 Building $100,100
2023	$637.00	$138,500 Land $38,400 Building $100,100	$138,500 Land $38,400 Building $100,100

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
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 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.1% 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 43 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
Verizon Fixed Wireless	25 / 6
Frontier DSL	10 / 1

Cell Coverage

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

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