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Single Family ResidentialResidential
$1,046,888$270 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

145 RIVERBEND DR

HAYESVILLE, NC 28904
4
Beds
4
Baths
3,875 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4.77 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.

Valuation

$1M
$865K low$1.2M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$696,888
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$557,510
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.33%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$350,000
FIRST CITIZENS BANK & TRUST CO · 3.37% 1 · recorded May 15, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,357 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$480,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$87,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$392,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$480,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$480,300

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.159 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyClay
Lot (acres)The size of the land the home sits on, from county records.4.77

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Hayesville Middle SchoolC
Middle · Grades 6–8 · 2.4 mi
H
Hayesville High SchoolB-
High · Grades 9–12 · 2.4 mi
E
Hayesville Primary School
Elementary · Grades PK–2 · 2.5 mi

District: Clay County Schools

Neighborhood · ZIP 28904These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.115

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.64%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.9,778
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.51 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,320
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,263
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.69 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

145 Riverbend Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Clay County
  • Costs more per square foot than 81% of homes in Clay County
  • Bigger than 91% of homes in Clay County
  • Has a bigger lot than 86% of homes in Hayesville 28904
  • Newer than 91% of homes in Clay County

What homes are worth in Hayesville 28904

Each bar is how many homes fall in that price range. The marker is this home.

This home
$96K$1.3M

This home is worth more than 96% of homes in Hayesville 28904.

How it measures up in Hayesville 28904

The dot is this home. The mark in the middle is the typical home in Hayesville 28904.

Estimated value$1,046,888
CheaperTypical $357,942Pricier

Pricier than 96% of homes nearby

Price per ft²$270
CheaperTypical $191Pricier

Pricier than 79% of homes nearby

Living area3,875 ft²
SmallerTypical 1,764 ft²Bigger

Bigger than 90% of homes nearby

Lot size4.77 ac
SmallerTypical 1.25 acBigger

Bigger than 86% of homes nearby

Year built2015
OlderTypical 1993Newer

Newer than 90% of homes nearby

How 145 Riverbend Dr ranks against every home in each area.
MeasureThis homeHayesville 28904Clay County
Estimated valuepricier than$1,046,88896% of homes97% of homes
Price per ft²pricier than$27079% of homes81% of homes
Living areabigger than3,875 ft²90% of homes91% of homes
Lot sizebigger than4.77 ac86% of homes84% of homes
Year builtnewer than201590% of homes91% of homes

About 145 Riverbend Dr

How much is 145 Riverbend Dr, Hayesville, NC worth?

The TopHap Estimate for 145 Riverbend Dr, Hayesville, NC is $1,046,888 as of Jul 14, 2026. The likely range is $865,464 to $1,228,312. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 145 Riverbend Dr, Hayesville, NC?

145 Riverbend Dr, Hayesville, NC has 4 bedrooms, 4 bathrooms, 3,875 square feet of living space and a 4.77-acre lot.

When was 145 Riverbend Dr, Hayesville, NC built?

145 Riverbend Dr, Hayesville, NC was built in 2015, making it 11 years old.

What schools serve 145 Riverbend Dr, Hayesville, NC?

145 Riverbend Dr, Hayesville, NC is assigned to Hayesville Middle School (middle), rated C; Hayesville High School (high), rated B-; Hayesville Primary School (elementary). All sit in Clay County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 145 Riverbend Dr, Hayesville, NC compare to other homes in Hayesville 28904?

Among the 5,943 homes in Hayesville 28904, it is worth more than 96% of them ($1,046,888 against a typical $357,942), its price per square foot is higher than 79% of them ($270 against a typical $191), it is bigger than 90% of them (3,875 ft² against a typical 1,764 ft²), its lot is bigger than 86% of them (4.77 ac against a typical 1.25 ac) and it is newer than 90% of them (2015 against a typical 1993). Measured against all of Clay County, it is worth more than 97% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 145 Riverbend Dr, Hayesville, NC?

The 2025 property tax bill for 145 Riverbend Dr, Hayesville, NC was $2,357. The county assessed it at $480,300.

Closest homes

More homes in Hayesville 28904

Assigned schools

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