Clay County property record for 502 Cold Spring Ln, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 7,981 sqft · built 2008 |
| Lot Size | 2.25 acres (98,010 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,384 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 558100798235 |
| Primary APN | 558100798235 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 7,981 sqft Heated Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Lot Area | 98,010 sqft (2.25 acres) |
| Account Number | 15260301 |
|---|---|
| Street Address | 502 COLD SPRING LN |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-2303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3A WYPER PROP |
| Legal Lot Number | 3A |
| 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, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1610 BUENA VISTA DR, EUSTIS, FL 32726-5702 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 502 COLD SPRING LN, HAYESVILLE, NC 28904-2303 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | Y14/0020 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | Y14/0020 |
| Instrument | 2019001789 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HAYESVILLE, NC 28904 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Jun 24, 2020 |
Source: Clay County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,384.00 (+29.17%) | $1,704,600 (+96.93%) Land $76,100 Building $1,628,500 | $1,704,600 (+96.93%) Land $76,100 Building $1,628,500 |
| 2025 | $4,168.00 | $865,600 (-) Land $70,900 Building $794,700 | $865,600 (-) Land $70,900 Building $794,700 |
| 2023 | $865,600 Land $70,900 Building $794,700 | $865,600 Land $70,900 Building $794,700 |
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 |
|---|---|
| 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 67% of the US · above 90% 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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