7 Clay St, Canton, NC 28716 Property Records

Haywood County property record for 7 Clay St, Canton, NC 28716

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1920
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Mar 2023)
Tax Bill	$686 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8657-82-8853`

Property Details

APN / Parcel Number

Primary APN	`8657-82-8853`
Alternative APNs	`247000` `277837`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Heated Area
Gross Area	800 sqft
1st Floor Area	720 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Vinyl
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Partial
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	277837
Street Address	7 CLAY ST
City	CANTON
State	NC
Zip	28716-3817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CNR2
Legal Description	7 CLAY ST
Legal Subdivision	CLAY ST
Jurisdiction	HAYWOOD NC
Township / Civil Division	BEAVERDAM
Census Block Group	2
Census Block	2040
Census Tract	920202

Owner

Source: Haywood County records, as of July 14, 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	188 WIGGINS RD, CANDLER, NC 28715-8802
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 17, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2023 · Amount on Record
Deed Sale	Mar 23, 2023 · Amount on Record
Prior Sale	Jan 17, 2020 · Amount on Record
Deed Document Number	20232340
Deed Book / Page	1083 / 430
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAYWOOD NC
Recording Date	Mar 23, 2023
Property Address	7 CLAY ST, CANTON, NC 28716-3817
Document Number	0010830430
Book / Page	1083 / 430
Map Reference	MB 989 PG 1668
Instrument Date	Mar 23, 2023
Instrument	2023002340
Transaction Type	Transfer
Record Updated	Apr 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1549 KIMS COVE RD, CANTON, NC 28716-9125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 VVLGGINS ROAD, CANTON, NC 28716

Mortgage

Document Number	0010830433
Date	Mar 23, 2023
Instrument	1083-0433

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	HAYWOOD NC
Recording Date	Jan 17, 2020
Property Address	7 CLAY ST, CANTON, NC 28716-3817
Document Number	0009891668
Book / Page	000989 / 001668
Instrument Date	Jan 9, 2020
Instrument	511
Transaction Type	Foreclosure
Record Updated	Jan 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$19.95
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1549 KIMS COVE RD CANTON NC 287169125, CANTON, NC 28716-9125

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		$95,900 (-) Land $15,400 Building $80,500
2025	$686.00	$95,900 (+20.48%) Land $15,400 Building $80,500	$95,900 (+20.48%) Land $15,400 Building $80,500
2023		$79,600 Land $15,400 Building $64,200	$79,600 (-) Land $15,400 Building $64,200
2021			$79,600 Land $15,400 Building $64,200

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	3 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.

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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