50 Clay St, Canton, NC 28716 Property Records

Haywood County property record for 50 Clay St, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 696 sqft · built 1920
Lot Size	0.108 acres (4,726 sqft)
Owner	Individual Name on Record
Last Sale	$134,000 (Sep 2020)
Tax Bill	$696 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8657-82-9784`

Property Details

APN / Parcel Number

Primary APN	`8657-82-9784`
Alternative APN	`263311`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	696 sqft Heated Area
Gross Area	799 sqft
1st Floor Area	696 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Asphalt
Lot Area	4,726 sqft (0.108 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	263311
Street Address	50 CLAY ST
City	CANTON
State	NC
Zip	28716-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR2
Legal Description	50 CLAY ST
Legal Subdivision	CLAY ST
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	4
Census Block	4022
Census Tract	920202

Owner

Source: Haywood County records, as of October 9, 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	50 CLAY ST, CANTON, NC 28716-3846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 16, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Sep 28, 2020	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Jul 6, 2016 · Amount on Record
Deed Document Number	20209711
Deed Book / Page	1008 / 1532
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	50 CLAY ST, CANTON, NC 28716-3846
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009622441
Date	Nov 13, 2018
Book Page	962/2441
Instrument	2018010130

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAYWOOD NC
Property Address	50 CLAY ST, CANTON, NC 28716-3846
Transaction Type	Mortgage
Record Updated	Nov 11, 2022
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009661143
Date	Jan 16, 2019
Book Page	966/1143
Instrument	2019000371

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Sep 28, 2020
Property Address	50 CLAY ST, CANTON, NC 28716-3846
Document Number	0010081532
Book / Page	1008 / 1532
Instrument Date	Sep 28, 2020
Instrument	2020009711
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 CLAY ST, 20, CANTON, NC 28716-3846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CLAY ST, CANTON, NC 28716-3846

Mortgage

Document Number	0010081535
Date	Sep 28, 2020
Instrument	1008/1535

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	1-Year CMT

Tax Assessment & Valuation

Source: Haywood County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Haywood County
Municipality	Canton Town
Unified School District	Haywood County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,700 (-) Land $14,700 Building $83,000
2025	$696.00	$97,700 (-) Land $14,700 Building $83,000	$97,700 (-) Land $14,700 Building $83,000
2023		$97,700 Land $14,700 Building $83,000	$97,700 (-) Land $14,700 Building $83,000
2021			$97,700 Land $14,700 Building $83,000

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 December 25, 2025 · 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
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CANTON serves 7,850 people · EPA ID NC0144015
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250

May also be available: T-Mobile, Verizon.

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