154 Clay Smith Ln, Warne, NC 28909 Property Records

Clay County property record for 154 Clay Smith Ln, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 2006
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Sep 2025)
Tax Bill	$1,025 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`543900226863`

Property Details

APN / Parcel Number

Primary APN	`543900226863`
Alternative APNs	`616173000` `622617000` `624702000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,272 sqft Heated Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	624702000
Street Address	154 CLAY SMITH LN
City	WARNE
State	NC
Zip	28909-8104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 WESLEY MEADOWS
Legal Subdivision	WESLEY MEADOWS
Legal Lot Number	15
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1019
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	Individual Name on Record
Mailing Address	154 CLAY SMITH LN, WARNE, NC 28909-8104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Sep 29, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 15, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP
Mar 14, 2018	Warranty Deed, Transfer · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Sep 15, 2023 · Amount on Record
Deed Document Number	20251967
Deed Book / Page	488 / 278
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	154 CLAY SMITH LN, WARNE, NC 28909-8104
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000L15/25
Date	Aug 31, 2020
Book Page	L15/25
Instrument	2020002005

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 29, 2025
Property Address	154 CLAY SMITH LN, WARNE, NC 28909-8104
Document Number	000488/278
Book / Page	488 / 278
Map Reference	CAB 4 SL 1326
Instrument Date	Sep 29, 2025
Instrument	2025001967
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 BEAVER RIDGE TRL, MURPHY, NC 28906-7823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 CLAY SMITH LN, WARNE, NC 28909-8104

Mortgage

Document Number	2025001968
Date	Sep 29, 2025
Instrument	2025001968

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 15, 2023
Property Address	154 CLAY SMITH LN, WARNE, NC 28909-8104
Document Number	CRP478/158
Book / Page	CRP 478 / 158
Map Reference	CAB 4 PG 1326
Instrument Date	Sep 15, 2023
Instrument	2023001837
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$571.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 WIKLE RD, HAYESVILLE, NC 28904-9200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 CLAY SMITH LN, WARNE, NC 28909-8104

Mortgage

Document Number	2023001838
Date	Sep 15, 2023
Instrument	2023001838

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 14, 2018
Property Address	154 CLAY SMITH LN, WARNE, NC 28909-8104
Document Number	418/0086
Book / Page	418 / 0086
Map Reference	CAB 4 SL 1326
Instrument Date	Feb 1, 2018
Instrument	2018000525
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 CLAY SMITH LN, 154, WARNE, NC 28909-8104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 CLAY SMITH LN, WARNE, NC 28909-8104

Mortgage

Document Number	2018000526
Date	Mar 14, 2018
Instrument	2018000526

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

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	$1,025.00 (+30.41%)	$298,600 (+104.38%) Land $30,000 Building $268,600	$298,600 (+104.38%) Land $30,000 Building $268,600
2025	$786.00 (+14.58%)	$146,100 (-) Land $30,000 Building $116,100	$146,100 (-) Land $30,000 Building $116,100
2023	$686.00	$146,100 Land $30,000 Building $116,100	$146,100 Land $30,000 Building $116,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 68% of the US · above 90% of North Carolina
Wildfire Likelihood	0.3% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Blue Ridge Mountain EMC, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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