North Carolina Riverfront Land for Sale on the Hiwassee River
Owner Financing Available! (see details below)
Waterfront on the Hiwassee River! Build your riverfront dream free of any zoning or deed restrictions and live a beautiful Blue Ridge life on your own terms.
- Over 120′ of River Frontage
- No Zoning, Deed Restrictions, or HOA!
- Graded, Gravel Driveway
- Cleared & Floodplain-free Homesite Area
- Riverfront Pavilion
- Paved Public Road
- Power & Water
- New Survey – River Run Estates
- Only 3 minutes to Town
- Priced Well Below Market
Enjoy Blue Ridge mountain living on your own 1.44-acre riverfront paradise with over 120 feet of frontage on the scenic Hiwassee River in Hayesville, North Carolina. This mostly cleared and partially wooded property offers a graded gravel driveway that winds through the privacy grove of trees and empties into a flat, floodplain-free greenspace, which is capped by a riverfront pavilion. With no zoning, deed restrictions, or HOA, you’re free to build or play your way—mobile homes, cabins, and even light commercial use are all welcome. Conveniently fronting 164 feet of paved public road with power and county water available, plus a new survey and clean title, this lot is primed for easy development. Imagine walking off your back porch to soak in the babbling sounds of the river flowing by, or even tossing in a fishing line. The neighborhood is peaceful and safe, with cheap taxes and abundant deer and wildlife, yet just 3 minutes to town and just a few minutes more to the nearest Chatuge Lake boat ramp, Bell Mountain, and endless Blue Ridge adventure. Perfect for waterfront living, this rare unrestricted riverfront property combines natural beauty, utility convenience, and freedom at an unbeatable Acretown price. Grab it today!
Call or text Scott directly at 314.639.9777 or email info@acretown.com if you have any questions or would like to make an offer.
Si habla español, por favor pida por Andy en nuestro equipo y él estará encantado de ayudarle.
We’ve posted a lot of info below – including critical instructions for visiting the property – so please keep reading!
Best Deal in the Market – Check Zillow or Redfin and You’ll Agree!
After opening this map, you may see even more information about the area by clicking on Map Legend, then Overlays.
- ADDRESS (street # estimated – use GPS for navigation): 981 Myers Chapel Rd, Hayesville, NC 28904
- SIZE: 1.44 acres
- GPS COORDINATES: 35.038334, -83.812334
- PARCEL # (parent): part of 556013-03-2587
- LEGAL DESCRIPTION: Lot 1, River Run Estates, Deed Book 482 Page 313, Plat Book 4 Page 1359, Clay County, North Carolina
- PLAT MAP/SURVEY: view here (get County’s boundary/KML file here – opens in Google Earth)
- TITLE: General Warranty deed (clean – no back taxes, no liens)
- MINERAL RIGHTS: any mineral rights we own will convey to buyer (we have no knowledge of severance of mineral rights by a previous owner)
- DIMENSIONS (approximate): starting at SE corner, 164′ N/NW (along road) x 459′ E x 121′ S (along river) x 402′ W to POB
- FLOODPLAIN: along river frontage, approximately 0.19 acres (view map here)
- WETLANDS: only along the river (view map here)
- ELEVATION: 1848 feet
- TERRAIN: flat to gently sloping
- CONDITION: waterfront pavilion, mostly undeveloped, mostly cleared, partially wooded
- ACCESS: 164 feet of direct frontage on Myers Chapel Rd
- POWER: available thru Blue Ridge Mountain Electric Co-Op (706) 379-3121
- WATER: available thru Clay County Water & Sewer (828) 389-1361
- $2000 to tap into the water line
- $2500-3000 system development fee
- WASTEWATER: septic system would need to be installed (septic permits issued by Clay County Environmental Health Dept, 828-389-8326)
- The built-in savings you receive on all Acretown properties frees up extra money to install a variety of conventional and more modern, non-conventional septic systems, like mound systems, pressurized dosing, plastic chamber leach fields, aerobic treatment, etc. (which have become popular solutions in rare cases of non-satisfactory perc tests).
- TAXES: $176.16 in 2024 (based on $962.78 for 7.87 assessed acres of the parent parcel, equaling $122.34 per acre)
- HOA: none
- DEED RESTRICTIONS: none
- ZONING: none (but must apply for county building permit for your new home, phone # 828-389-0089, website)
- SCHOOL DISTRICTS: Hayesville (Elementary) – Hayesville (Middle School) – Hayesville (High School)
- NEAREST CITIES: Hayesville < Murphy < Chattanooga, TN
- NEAREST AIRPORTS: Western Carolina Regional (30 mins), Atlanta International (2 hrs 49 mins)
- COUNTY GOVERNMENT:
- Assessor (828) 389-1266
- Treasurer (731) 925-1690
- Register of Deeds (828) 389-0087
- Clerk (828) 389-2300
- Building Department (731) 925-3922
- County GIS
coming soon . . .
You can go view the property at your convenience – owner does not need to accompany. Please call/text us to let us know you’re heading out, so we can (1) confirm its availability (our land does sell fast), and (2) ensure we have our phone on us in case you need help or have any questions. We’d appreciate a couple hours notice if possible. In case you lose cell phone service, it may be helpful to print off as many helpful documents as you can before you head out there.
DRIVING DIRECTIONS: Click HERE to open the destination in Google Maps, and simply enter your starting point to get step-by-step directions.
- From this link, you can press “Directions” (on the left), enter your starting point, and Google Maps will provide you with step-by-step directions.
- You can also click “Send to Phone” if you’re viewing this on your computer
- And “Save” to download the directions so they’ll still work if you lose cell service.
If for some reason you’re having trouble with that link, you can navigate to GPS coordinates: 35.038334, -83.812334
WALKING THE PROPERTY LINES w/YOUR PHONE: We highly recommend downloading Google Earth to your phone if you don’t already have it. Then . . .
- Download the property boundary file (called a KML or KMZ file) here. You may be prompted to click “download” one more time, so do that . . . OR you may be prompted to immediately open the file with Google Earth and, in that case, do that and ignore the remaining steps. Otherwise . . .
- Open Google Earth
- Go to the main menu (the three horizontal lines at the top left of the screen), then Projects > Open > Import KML file > select the KML file you just downloaded (it should show up on that screen).
Now you should be able to see the property lines on the map, and the green dot represents where you’re currently standing. This is a very important tool to learn BEFORE you head out there. Please call us if you have any questions about it.
The scenic Hiwassee River valley, as it winds through the splendor of the Blue Ridge mountains, is adorned with an abundance of recreational spots perfect for those seeking to immerse themselves in the wonders of nature. Highlights include the tranquil Cupid Falls and the vibrant Hamilton Rhododendron Gardens, offering picturesque settings for hiking and relaxation. The Hiwassee empties into Chatuge Lake just 7 minutes away, so slip your boat in and enjoy some great fishing, swimming, or water skiing all weekend long and you’re home in less than 10 minutes! Hike to Bell Mountain for breathtaking, panoramic views of these Blue Ridge mountains and valleys. For day-to-day essentials, head to downtown Hayesville, just 3 minutes up the road, offering conveniences like Ingles Markets, Family Dollar, and Dollar General. For a broader retail experience including a Walmart, Lowe’s, and Big Lots, Murphy is the go-to destination, 20 minutes to the east.
NEARBY – Hiwassee River (your backyard!), Chatuge Dam Trail (4 mins), Cupid Falls (14 mins), Bell Mountain (25 mins), Hamilton Rhododendron Gardens (14 mins), Hickorynut Cove Campgrounds (13 mins), Cool Park (9 mins), Murphy River Walk (20 mins), Fires Creek Wildlife Management Area (40 mins), Parker Meadows Complex (31 mins) and more!
HAYESVILLE (3 mins, nearest town w/grocery store)
- RETAIL – Family Dollar, Walgreens, Ingles Markets, The Local Market, Mountain Building Supply, SMM Farms, Save a Lot, Groves Farm Market, and more!
- RESTAURANTS – McDonalds, Subway, Angelo’s, Huddle House, Hunt Brothers Pizza, Black Dog Tavern, and more.
- MEDICAL SERVICES? Yes, Chatuge Family Practice, Erlanger Express Care – Hayesville, and more.
- RECREATIONAL – Downtown Discovery Garden, Clay County Recreation Center, Chatuge Lake, Chatuge Shores Golf Course, and many more!
MURPHY (20 mins, nearest Walmart)
- RETAIL – Walmart, Lowe’s, Big Lots, Bealls, Dollar General, Dollar Tree, Save A Lot, Ingles Markets, Murphy’s ABC Store, United Grocery Outlet, and many more!
- RESTAURANTS – McDonalds, KFC, Burger King, Waffle House, Subway, Arby’s, Pizza Hut, Wendy’s, Bojangles, and many more!
- MEDICAL SERVICES? Yes, Erlanger Primary Care – Murphy, Urgent Care Center at Erlanger Western Carolina Hospital, Gray’s Family Practice, and more.
- RECREATIONAL – Murphy River Walk, Rolling Meadows Family Campground, Konehete Park, Cherokee Historical Museum, Murphy Tennis & Pickleball courts, and many more!
CHATTANOOGA (2 hrs 3 mins, nearest major city)
OWNER FINANCING: We do offer owner financing under the following terms:
- Owner Financed Price = $142,400
- Down Payment = $29,000
- Monthly Payment = $1590.67
- Term = 10 years (120 months)
- Interest Rate = 10.9%
- No Pre-Payoff Penalty!
We have a two-week waiting period after the posting of our original MLS listing before we open up the owner-financing option. Also, if you would like to make a larger down payment in exchange for a slightly lower interest rate and/or fewer payments, we can certainly accomodate that, so just let us know! If you’d like to buy this property via owner financing, call or text Scott directly at 314.639.9777 or email him at info@acretown.com and we’ll get you set up!
OUTSIDE FINANCING: Your best deal for third-party financing will probably come from AgSouth Farm Credit and their details are below:
AGSouth Farm Credit is one of the best local land lenders for rural properties and they require as little as 15% down on a 10 to 15-year term, with interest rates at 9.5%, with no pre-payoff penalties. Please contact them by phone at (828) 837-7436. They do serve North Carolina.
Call or text Scott directly at 314.639.9777 or email at info@acretown.com if you’d like to discuss an offer. If you’re a Spanish speaker, please ask for Andy on our team and he’ll be glad to help you.
FOR SALE BY OWNER: We are investors, and are selling this lot For Sale By Owner. You do not need to submit your offer through a real estate agent, and in our experience we close transactions more quickly and easily by having our dedicated transaction coordinator work directly with the Title Company and Buyers. We will also both save money on commission/fees by cutting out agents as the middle men. However, if you feel strongly about working with a realtor, then you’re welcome to have them contact us on your behalf. We do offer 2.5% commission to buyer agents.
WHY ARE YOU SELLING IT SO CHEAP? We are often asked why we price our properties at below market value, and the answer is really simple: because we can, and that’s our core business model. We are investors who purchase properties at a large volume and deeply liquidated rates, and by passing this discount on to our buyers, we can sell land quickly . . . and more of it! In fact, our average property only lasts 2-3 weeks on the market (vs. industry average of about 6 months).
DISCLAIMER: We attempt to provide detailed, accurate and up-to-date information in our listings, in order to help our buyers to the best of our ability. However, it ultimately remains the buyer’s responsibility to perform their own due diligence and double check any details that are of significant importance to you including acreage, utilities, buildability, and approved/allowable useage for the property. We are happy to help however we can.