1097 White Oak Dr, Warne, NC 28909 Property Records

Clay County property record for 1097 White Oak Dr, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,608 sqft · built 2004
Lot Size	1.62 acres (70,567 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jan 2020)
Tax Bill	$1,503 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`544800167743`

Property Details

APN / Parcel Number

Primary APN	`544800167743`
Alternative APN	`618199000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,608 sqft Heated Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	70,567 sqft (1.62 acres)

Location & Zoning

Account Number	618199000
Street Address	1097 WHITE OAK DR
City	WARNE
State	NC
Zip	28909-7748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 GOLDEN OAKS ESTAT
Legal Subdivision	GOLDEN OAKS ESTATES SUBDIVISION
Legal Lot Number	19
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	2
Census Block	2056
Census Tract	950201

Owner

Source: Clay County records, as of October 15, 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 Record
Mailing Address	1097 WHITE OAK DR, WARNE, NC 28909-7748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 10, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jan 19, 2021	Deed of Trust, Mortgage · FHA Mortgage NEW PENN FINANCIAL LLC
Jan 31, 2020	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	2020249
Deed Book / Page	437 / 115
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1097 WHITE OAK DR, WARNE, NC 28909-7748
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 WHITE OAK DR, WARNE, NC 28909-7748

Mortgage

Document Number	0000W16/22
Date	Jun 7, 2023
Book Page	W16/22
Instrument	2023001097

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Feb 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1097 WHITE OAK DR, WARNE, NC 28909-7748
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 WHITE OAK DR, WARNE, NC 28909-7748

Mortgage

Document Number	0000I16/17
Date	Dec 10, 2021
Book Page	I16/17
Instrument	2021004042

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Feb 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	1097 WHITE OAK DR, WARNE, NC 28909-7748
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 WHITE OAK DR, WARNE, NC 28909-7748

Mortgage

Document Number	T15/20
Date	Jan 19, 2021
Book Page	T15/20
Instrument	2021000212

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jan 31, 2020
Property Address	1097 WHITE OAK DR, WARNE, NC 28909-7748
Document Number	437/0115
Book / Page	437 / 0115
Map Reference	CAB 2 SL 799
Instrument Date	Jan 9, 2020
Instrument	2020000249
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	473 LONG BOW CT, 473, ROYAL PALM BEACH, FL 33411-1562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 WHITE OAK DR, WARNE, NC 28909-7748

Mortgage

Document Number	2020000250
Date	Jan 31, 2020
Instrument	2020000250

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,503.00 (+30.02%)	$452,100 (+101.65%) Land $126,200 Building $325,900	$452,100 (+101.65%) Land $126,200 Building $325,900
2025	$1,156.00 (+9.47%)	$224,200 (-) Land $66,200 Building $158,000	$224,200 (-) Land $66,200 Building $158,000
2023	$1,056.00	$224,200 Land $66,200 Building $158,000	$224,200 Land $66,200 Building $158,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · above 84% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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