Clay County property record for 78 Bent Grass Cir, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,611 sqft · built 2007 |
| Lot Size | 0.282 acres (12,291 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Jul 2018) |
| Tax Bill | $811 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 556013135181 |
| Primary APN | 556013135181 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,611 sqft Heated Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Lot Area | 12,291 sqft (0.282 acres) |
| Account Number | 616627000 |
|---|---|
| Street Address | 78 BENT GRASS CIR |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-4929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 5 BENTGRASS COMMUNI |
| Legal Subdivision | BENT GRASS |
| Legal Unit | 5 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 1 |
| Census Block | 1065 |
| Census Tract | 950102 |
Source: Clay County records, as of May 8, 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 | 78 BENT GRASS CIR, HAYESVILLE, NC 28904-4929 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on Record |
| Deed Sale | Jul 31, 2018 · Amount on Record |
| Deed Document Number | 20181710 |
| Deed Book / Page | 422 / 118 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 78 BENT GRASS CIR, HAYESVILLE, NC 28904-4929 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000Z15/32 |
|---|---|
| Date | May 14, 2021 |
| Book Page | Z15/32 |
| Instrument | 2021001670 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 78 BENT GRASS CIR, HAYESVILLE, NC 28904-4929 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00V14/0018 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | V14/0018 |
| Instrument | 2019000787 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Jul 31, 2018 |
| Property Address | 78 BENT GRASS CIR, HAYESVILLE, NC 28904-4929 |
| Document Number | 00422/0118 |
| Book / Page | 422 / 0118 |
| Map Reference | CAB 5 SL 76 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 2018001710 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 812 HALL ST, BEDFORD, PA 15522-1923 |
| Document Number | 2018001711 |
|---|---|
| Date | Jul 31, 2018 |
| Instrument | 2018001711 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Clay County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $811.00 (+16.52%) | $151,400 (-) Land $25,000 Building $126,400 | $151,400 (-) Land $25,000 Building $126,400 |
| 2023 | $696.00 | $151,400 Land $25,000 Building $126,400 | $151,400 Land $25,000 Building $126,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 45 policies |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 11 (2013–2025) |
| Most Recent Claim | Apr 2025 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 68% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLAY CO WATER & SEWER DISTRICT serves 1,965 people · EPA ID NC0122010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 66 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 |
| Verizon Fixed Wireless | 300 / 20 |
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