Clay County property record for 818 Low Gap Rd, Hayesville, NC 28904
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,768 sqft · built 2025 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $869 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jan 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 548903407355 |
| Primary APN | 548903407355 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,768 sqft Heated Area |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 624548000 |
|---|---|
| Street Address | 818 LOW GAP RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-6239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OFF LOW GAP RD 1159 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HIAWASSEE |
| Census Block Group | 2 |
| Census Block | 2061 |
| Census Tract | 950101 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 818 LOW GAP RD, HAYESVILLE, NC 28904-6239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Line of Credit TRIAD FINANCIAL SERVICES INC |
| Jan 10, 2020 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 11, 2025 |
| Transfer Doc | 0000488/16 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 818 LOW GAP RD, HAYESVILLE, NC 28904-6239 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000B17/257 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | B17/257 |
| Instrument | 2025002214 |
| Name | TRIAD FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | 13901 SUTTON PARK DR S STE 300, JACKSONVILLE, FL 32224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 4, 2055 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Jan 10, 2020 |
| Property Address | 818 LOW GAP RD, HAYESVILLE, NC 28904-6239 |
| Document Number | 436/0211 |
| Book / Page | 436 / 0211 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 2020000062 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 876 N BROOKS COVE RD, HAYESVILLE, NC 28904-5275 |
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 | $869.00 (+516.31%) | $248,300 (+727.67%) Land $45,000 Building $203,300 | $248,300 (+727.67%) Land $45,000 Building $203,300 |
| 2025 | $141.00 (+2.17%) | $30,000 (-) Land $30,000 | $30,000 (-) Land $30,000 |
| 2023 | $138.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 70% 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 26 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: Verizon.
4G LTE only, no 5G reported
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