82 Cherrywood Dr, Hayesville, NC 28904 Property Records

Clay County property record for 82 Cherrywood Dr, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 896 sqft · built 1987
Lot Size	0.472 acres (20,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 2022)
Tax Bill	$680 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`545900578744`

Property Details

APN / Parcel Number

Primary APN	`545900578744`
Alternative APNs	`621628000` `7490304`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	896 sqft Heated Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	20,560 sqft (0.472 acres)

Location & Zoning

Account Number	621628000
Street Address	82 CHERRYWOOD DR
City	HAYESVILLE
State	NC
Zip	28904-9122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B CHERRY ESTATE
Legal Subdivision	CHERRY ESTATE
Legal Lot Number	B
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2009
Census Tract	950201

Owner

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	2 Individual Names on Record
Mailing Address	82 CHERRYWOOD DR, HAYESVILLE, NC 28904-9122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 20, 2020	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Deed Document Number	20222780
Deed Book / Page	470 / 20
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Oct 26, 2022
Property Address	82 CHERRYWOOD DR, HAYESVILLE, NC 28904-9122
Document Number	0000470/20
Book / Page	470 / 20
Instrument Date	Oct 26, 2022
Instrument	2022002780
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 FITZGERALD LN, 65, WAYNESVILLE, NC 28786-3577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 CHERRYWOOD DR, HAYESVILLE, NC 28904-9122

Mortgage

Document Number	00000S16/9
Date	Oct 26, 2022
Book Page	S16/9
Instrument	2022002781

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	82 CHERRYWOOD DR, HAYESVILLE, NC 28904-9122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	F15/21
Date	Mar 20, 2020
Book Page	F15/21
Instrument	2020000619

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 13, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Clay County
Unified School District	Clay County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$680.00 (+7.59%)	$187,200 (+65.37%) Land $32,500 Building $154,700	$187,200 (+65.37%) Land $32,500 Building $154,700
2025	$632.00 (+21.54%)	$113,200 (-) Land $25,000 Building $88,200	$113,200 (-) Land $25,000 Building $88,200
2023	$520.00	$113,200 Land $25,000 Building $88,200	$113,200 Land $25,000 Building $88,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 77% 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.

Internet Providers

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: Blue Ridge Mountain EMC.

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