488 W Cherry Rd, Hayesville, NC 28904 Property Records

Clay County property record for 488 W Cherry Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,201 sqft · built 1983
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Dec 2020)
Tax Bill	$1,047 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544900586802`

Property Details

APN / Parcel Number

Primary APN	`544900586802`
Alternative APN	`619262000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Building Area	2,201 sqft Heated Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	44,431 sqft (1.02 acres)

Location & Zoning

Account Number	619262000
Street Address	488 W CHERRY RD
City	HAYESVILLE
State	NC
Zip	28904-7173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFF SR 1100
Legal Subdivision	SOURWOOD MOUNTAIN HOMESITES SUBDIVISION
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	1
Census Block	1006
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	488 W CHERRY RD, HAYESVILLE, NC 28904-7173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 3, 2020	Warranty Deed, Transfer · VA Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Deed Document Number	20203174
Deed Book / Page	447 / 19
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	488 W CHERRY RD, HAYESVILLE, NC 28904-7173
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 W CHERRY RD, HAYESVILLE, NC 28904-7173

Mortgage

Document Number	0000X16/35
Date	Jul 26, 2023
Book Page	X16/35
Instrument	2023001460

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	488 W CHERRY RD, HAYESVILLE, NC 28904-7173
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Y14/0005
Date	Aug 5, 2019
Book Page	Y14/0005
Instrument	2019001696

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 3, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Dec 3, 2020
Property Address	488 W CHERRY RD, HAYESVILLE, NC 28904-7173
Document Number	447/19
Book / Page	447 / 19
Instrument Date	Dec 1, 2020
Instrument	2020003174
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2623 AMSDELL RD, 2623, HAMBURG, NY 14075-5737

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 LUTHER ST, ROCKINGHAM, NC 28379-5040

Mortgage

Document Number	2020003175
Date	Dec 3, 2020
Instrument	2020003175

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 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	$1,047.00 (+5.02%)	$305,500 (+60.03%) Land $39,800 Building $265,700	$305,500 (+60.03%) Land $39,800 Building $265,700
2025	$997.00 (+13.55%)	$190,900 (-) Land $30,600 Building $160,300	$190,900 (-) Land $30,600 Building $160,300
2023	$878.00	$190,900 Land $30,600 Building $160,300	$190,900 Land $30,600 Building $160,300

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 54% of the US · above 76% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Windstream Cable	1,000 / 25
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3
RiverStreet Networks Fixed Wireless	10 / 1
Frontier DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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