Clay County property record for 55 Harmony Ln, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,712 sqft · built 1999 |
| Lot Size | 3.27 acres (142,441 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,367 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 545800275605 |
| Primary APN | 545800275605 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 2,712 sqft Heated Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 142,441 sqft (3.27 acres) |
| Account Number | 11221301 |
|---|---|
| Street Address | 55 HARMONY LN |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-7238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1115 MCDONALD RD |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 950201 |
Source: Clay County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 240 LAUREL DR, ATHENS, GA 30606-1643 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 55 HARMONY LN, HAYESVILLE, NC 28904-7238 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 117 HIGHT DR, WATKINSVILLE, GA 30677-2436 |
| Document Number | 0000Q16/32 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | Q16/32 |
| Instrument | 2022002307 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | HAYESVILLE, NC 28904 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,367.00 (+13.82%) | $409,000 (+74.49%) Land $48,700 Building $360,300 | $409,000 (+74.49%) Land $48,700 Building $360,300 |
| 2025 | $1,201.00 (+11.41%) | $234,400 (-) Land $34,800 Building $199,600 | $234,400 (-) Land $34,800 Building $199,600 |
| 2023 | $1,078.00 | $234,400 Land $34,800 Building $199,600 | $234,400 Land $34,800 Building $199,600 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 79% 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 22 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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