495 Piney Rd, Hayesville, NC 28904 Property Records

Clay County property record for 495 Piney Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2018
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$1,525 (2026)
Deeds & Mortgages	Apr 2021 Transfer Apr 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`555100622365`

Property Details

APN / Parcel Number

Primary APN	`555100622365`
Alternative APN	`615857000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,456 sqft Heated Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	130,680 sqft (3 acres)

Location & Zoning

Account Number	615857000
Street Address	495 PINEY RD
City	HAYESVILLE
State	NC
Zip	28904-7755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2 SR 1306
Legal Subdivision	BOUNDARY SURVEY NORWOOD PROPERTY
Legal Tract	2
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2008
Census Tract	950202

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	142 BRANDUS DR, HAYESVILLE, NC 28904-4645
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 12, 2021	Intrafamily Transfer, Transfer
Mar 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Mar 28, 2018	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Oct 4, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 9, 2021
Transfer Doc	451/141
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY NC
Recording Date	Apr 12, 2021
Property Address	495 PINEY RD, HAYESVILLE, NC 28904-7755
Document Number	451/141
Book / Page	451 / 141
Map Reference	MB 450 PG 202
Instrument Date	Apr 9, 2021
Instrument	2021001260
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 CHATUGE WAY, HIAWASSEE, GA 30546-3439

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Apr 12, 2021
Property Address	495 PINEY RD, HAYESVILLE, NC 28904-7755
Document Number	451/140
Book / Page	451 / 140
Map Reference	CAB 3 SL 373
Instrument Date	Apr 9, 2021
Instrument	2021001259
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 PINEY RD, HAYESVILLE, NC 28904-7755

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Mar 22, 2021
Property Address	495 PINEY RD, HAYESVILLE, NC 28904-7755
Document Number	450/202
Book / Page	450 / 202
Map Reference	CAB 3 SL 373
Instrument Date	Jan 5, 2021
Instrument	2021000974
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	495 PINEY RD, HAYESVILLE, NC 28904-7755

Mortgage

Document Number	2021000975
Date	Mar 22, 2021
Instrument	2021000975

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	495 PINEY RD, HAYESVILLE, NC 28904-7755
Transaction Type	Mortgage
Record Updated	Apr 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	L14/0041
Date	Mar 28, 2018
Book Page	L14/0041
Instrument	2018000651

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Oct 4, 2017
Property Address	495 PINEY RD, HAYESVILLE, NC 28904-7755
Document Number	014/081
Book / Page	014 / 081
Map Reference	CAB 3 SL 373
Instrument Date	Oct 2, 2017
Instrument	2017002107
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 BRANDUS DR, HAYESVILLE, NC 28904-4645

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	$1,525.00 (+30.34%)	$459,900 (+101.89%) Land $59,000 Building $400,900	$459,900 (+101.89%) Land $59,000 Building $400,900
2025	$1,170.00 (+11.75%)	$227,800 (-) Land $45,000 Building $182,800	$227,800 (-) Land $45,000 Building $182,800
2023	$1,047.00	$227,800 Land $45,000 Building $182,800	$227,800 Land $45,000 Building $182,800

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 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jan 2013 · other causes

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 56% of the US · above 78% 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 38 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

Cell Coverage

5G and 4G LTE (outdoors only)

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