821 Piney Rd, Hayesville, NC 28904 Property Records

Clay County property record for 821 Piney Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,210 sqft · built 1970
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jan 2023)
Tax Bill	$599 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`555100636597`

Property Details

APN / Parcel Number

Primary APN	`555100636597`
Alternative APNs	`615312000` `622064000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,210 sqft Heated Area

Exterior

Year Built	Built 1970
Lot Area	19,602 sqft (0.45 acres)

Location & Zoning

Account Number	622064000
Street Address	821 PINEY RD
City	HAYESVILLE
State	NC
Zip	28904-7759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEY ROAD
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2008
Census Tract	950202

Owner

Source: Clay County records · APN 555100636597

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	821 PINEY RD, HAYESVILLE, NC 28904-7759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Jun 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage NANTAHALA BANK & TRUST COMPANY
Feb 09, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2023 · Amount on Record
Deed Sale	Jan 31, 2023 · Amount on Record
Prior Sale	Feb 09, 2017 · Amount on Record
Deed Document Number	0000472168
Deed Book / Page	472 / 168
Record Updated	Jun 08, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jan 31, 2023
Property Address	821 PINEY RD, HAYESVILLE, NC 28904-7759
Document Number	000472/168
Book / Page	472 / 168
Map Reference	CAB 5 SL 976
Instrument Date	Jan 31, 2023
Instrument	2023000220
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 JACK GROVES LN, HAYESVILLE, NC 28904-1027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 PINEY RD, HAYESVILLE, NC 28904-7759

Mortgage

Document Number	0000U16/13
Date	Jan 31, 2023
Book Page	U16/13
Instrument	2023000221

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Feb 01, 2028
Change Frequency	5 Years
Min Rate At Change	3.9%
Max Rate At Change	7.9%
Index	5-Year TN
Max Rate	11.9%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	821 PINEY RD, HAYESVILLE, NC 28904-7759
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	N14/0045
Date	Jun 21, 2018
Book Page	N14/0045
Instrument	2018001384

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 21, 2038

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Feb 09, 2017
Property Address	821 PINEY RD, HAYESVILLE, NC 28904-7759
Document Number	408/101
Book / Page	408 / 101
Map Reference	CAB 5 SL 976
Instrument Date	Feb 09, 2017
Instrument	2017000293
Transaction Type	Transfer
Record Updated	Oct 01, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2022 E PINETREE BLVD, 2022, THOMASVILLE, GA 31792-5349

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 PINEY RD, HAYESVILLE, NC 28904-7759

Mortgage

Document Number	2017000295
Date	Feb 09, 2017
Instrument	2017000295

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$599.00 (+22.75%)	$106,200 (-) Land $20,300 Building $85,900	$106,200 (-) Land $20,300 Building $85,900
2023	$488.00	$106,200 Land $20,300 Building $85,900	$106,200 Land $20,300 Building $85,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 4, 2009 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jan 2013 · other causes

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Cable	1,000 / 25
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Based on FCC filings for 17 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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