84 Mill St, Hayesville, NC 28904 Property Records

Clay County property record for 84 Mill St, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,300 sqft · built 1920
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Dec 2022)
Tax Bill	$577 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`555012966585`

Property Details

APN / Parcel Number

Primary APN	`555012966585`
Alternative APNs	`617314000` `621790000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,300 sqft Heated Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	16,553 sqft (0.38 acres)

Location & Zoning

Account Number	621790000
Street Address	84 MILL ST
City	HAYESVILLE
State	NC
Zip	28904-6282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF LOT 22 23
Legal Subdivision	84 MILL STREET
Legal Lot Number	22,23
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2071
Census Tract	950202

Owner

84 Mill St is owned and occupied by two individuals who bought it in December 2022.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	84 MILL ST, HAYESVILLE, NC 28904-6282
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 13, 2019	Special Warranty Deed, Transfer
Oct 17, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Dec 20, 2022 · Amount on File
Deed Document Number	20223273
Deed Book / Page	471 / 181
Prior Transfer Date	Oct 16, 2017
Prior Transfer Doc	00414/0160
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Dec 20, 2022
Property Address	84 MILL ST, HAYESVILLE, NC 28904-6282
Document Number	000471/181
Book / Page	471 / 181
Map Reference	CAB 4 SL 1259
Instrument Date	Dec 20, 2022
Instrument	2022003273
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 187, BRASSTOWN, NC 28902-0187

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	84 MILL ST, HAYESVILLE, NC 28904-6282

Mortgage

Document Number	2022003274
Date	Dec 20, 2022
Instrument	2022003274

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Jan 1, 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%

March 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 13, 2019
Property Address	84 MILL ST, HAYESVILLE, NC 28904-6282
Document Number	00428/0107
Book / Page	428 / 0107
Map Reference	CAB 4 SL 1259
Instrument Date	Feb 5, 2019
Instrument	2019000572
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 DOISEY DRIVE, BRASSTOWN, NC 28902

October 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY NC
Recording Date	Oct 17, 2017
Property Address	84 MILL ST, HAYESVILLE, NC 28904-6282
Document Number	00414/0160
Book / Page	414 / 0160
Map Reference	CAB 4 SL 1259
Instrument Date	Oct 16, 2017
Instrument	2017002212
Transaction Type	Foreclosure
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 84 Mill St was $577, up 3.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$577.00 (+3.59%)	$119,000 (+48.38%) Land $22,200 Building $96,800	$119,000 (+48.38%) Land $22,200 Building $96,800
2025	$557.00	$80,200 Land $17,100 Building $63,100	$80,200 Land $17,100 Building $63,100
2023	$557.00	$80,200 Land $17,100 Building $63,100	$80,200 Land $17,100 Building $63,100

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

Flood

FEMA maps place 84 Mill St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

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

Wildfire risk around 84 Mill St is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 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

May also be available: T-Mobile.

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