924 McDonald Rd, Hayesville, NC 28904 Property Records

Clay County property record for 924 McDonald Rd, Hayesville, NC 28904

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Sep 2022)
Tax Bill	$602 (2025)
Deeds & Mortgages	Jul 2009 Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`545800367906`

Property Details

APN / Parcel Number

Primary APN	`545800367906`
Alternative APNs	`621340000` `12108301`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,100 sqft Heated Area

Exterior

Year Built	Built 1975
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	621340000
Street Address	924 MCDONALD RD
City	HAYESVILLE
State	NC
Zip	28904-7324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 LEDFORD BURCH CART
Legal Lot Number	1
Jurisdiction	CLAY NC
Township / Civil Division	HAYESVILLE
Census Block Group	2
Census Block	2022
Census Tract	950201

Owner

Source: Clay County records · APN 545800367906

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	924 MCDONALD RD, HAYESVILLE, NC 28904-7324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2009	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 07, 2022	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 07, 2022 · Amount on Record
Deed Sale	Sep 07, 2022 · Amount on Record
Deed Document Number	0000468106
Deed Book / Page	468 / 106
Record Updated	Jun 08, 2026

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	924 MCDONALD RD, HAYESVILLE, NC 28904-7324
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000342/253
Date	Jul 28, 2009
Book Page	342/253
Instrument	2009002137

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Nov 18, 2036

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 07, 2022
Property Address	924 MCDONALD RD, HAYESVILLE, NC 28904-7324
Document Number	000468/106
Book / Page	468 / 106
Instrument Date	Aug 29, 2022
Instrument	2022002355
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	525 BENSON RD, QUINTON, AL 35130-4301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 MCDONALD RD, HAYESVILLE, NC 28904-7324

Mortgage

Document Number	00000Q16/2
Date	Sep 07, 2022
Book Page	Q16/2
Instrument	2022002356

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Type Change Date	Oct 01, 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%

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	$602.00 (+22.36%)	$107,000 (-) Land $25,000 Building $82,000	$107,000 (-) Land $25,000 Building $82,000
2023	$492.00	$107,000 Land $25,000 Building $82,000	$107,000 Land $25,000 Building $82,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Blue Ridge Mountain Electric Membership Fiber	1,000 / 1,000
Uniti Group Cable	1,000 / 25
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 22 locations within half a mile of this property.

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