Clay County property record for 511 Low Gap Rd, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,197 sqft · built 2005 |
| Lot Size | 3.85 acres (168,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,150 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 548900522002 |
| Primary APN | 548900522002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,197 sqft Heated Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 168,098 sqft (3.85 acres) |
| Account Number | 5199310 |
|---|---|
| Street Address | 511 LOW GAP RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR2 DAVENPORT PROP |
| Legal Tract | 2 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HIAWASSEE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 950101 |
511 Low Gap Rd is owned and occupied by two individuals.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 511 LOW GAP RD, HAYESVILLE, NC 28904-6417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK |
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAROLINA FARM CREDIT ACA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 511 LOW GAP RD, HAYESVILLE, NC 28904-6417 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00C15/0049 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | C15/0049 |
| Instrument | 2019003071 |
| Name | FIRST RELIANCE BANK |
|---|---|
| Type | Bank |
| Address | MOUNT PLEASANT, SC 29464 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 511 LOW GAP RD, HAYESVILLE, NC 28904-6417 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000D16/24 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | D16/24 |
| Instrument | 2021002805 |
| Name | CAROLINA FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2026 property tax bill for 511 Low Gap Rd was $1,150, up 20.5% from the year before.
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 | $1,150.00 (+20.55%) | $326,100 (+79.87%) Land $73,600 Building $252,500 | $326,100 (+79.87%) Land $73,600 Building $252,500 |
| 2025 | $954.00 | $181,300 Land $51,400 Building $129,900 | $181,300 Land $51,400 Building $129,900 |
| 2023 | $833.00 | $181,300 Land $51,400 Building $129,900 | $181,300 Land $51,400 Building $129,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 511 Low Gap Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2019 · rainfall accumulation |
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 risk around 511 Low Gap Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Cable | 1,000 / 25 |
| Starlink Satellite | 280 / 30 |
May also be available: Blue Ridge Mountain EMC.
4G LTE only, no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures