Clay County property record for 982 Piney Rd, Hayesville, NC 28904 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,356 sqft · built 2005 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Oct 2014) |
| Tax Bill | $1,586 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 555100647307 |
| Primary APN | 555100647307 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,356 sqft Heated Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 66,211 sqft (1.52 acres) |
| Account Number | 2180301 |
|---|---|
| Street Address | 982 PINEY RD |
| City | HAYESVILLE |
| State | NC |
| Zip | 28904-7760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1306 |
| Legal Subdivision | WILLIE D JONES & HILDA J JONES |
| Jurisdiction | CLAY NC |
| Township / Civil Division | HAYESVILLE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 950202 |
Source: Clay County records · APN 555100647307
Assessment roll updated October 16, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 982 PINEY RD, HAYESVILLE, NC 28904-7760 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION |
| Dec 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2014 · Amount on Record |
| Deed Sale | Oct 02, 2014 · Amount on Record |
| Deed Document Number | 20141976 |
| Deed Book / Page | 388 / 227 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | May 14, 2026 |
| Property Address | 982 PINEY RD, HAYESVILLE, NC 28904-7760 |
| Document Number | 0000001000 |
| Book / Page | 17 / 494 |
| Instrument Date | May 11, 2026 |
| Instrument | 20261000 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 982 PINEY RD, HAYESVILLE, NC 28904-7760 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001000, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 17/494 |
| Instrument | 20261000 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 982 PINEY RD, HAYESVILLE, NC 28904-7760 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 00C15/0023 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | C15/0023 |
| Instrument | 2019002947 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 982 PINEY RD, HAYESVILLE, NC 28904-7760 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000G16/29 |
|---|---|
| Date | Nov 03, 2021 |
| Book Page | G16/29 |
| Instrument | 2021003590 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
Source: Clay County records · Assessment roll updated October 16, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
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 | $1,586.00 (+9.83%) | $312,900 (-) Land $33,900 Building $279,000 | $312,900 (-) Land $33,900 Building $279,000 |
| 2023 | $1,444.00 | $312,900 Land $33,900 Building $279,000 | $312,900 Land $33,900 Building $279,000 |
Source: FEMA National Flood Hazard Layer, Clay County (37043C), updated May 4, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370439502022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 27 individual NFIP policies nearby |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Jan 2013, other causes |
| Wildfire Risk | Moderate above 55% of the US · above 77% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 680 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Frontier, T-Mobile USA, Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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