Clay County property record for 157 Penny Ln, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,916 sqft · built 1992 |
| Lot Size | 19.1 acres (835,916 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,855 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 543900714810 |
| Primary APN | 543900714810 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,916 sqft Heated Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 835,916 sqft (19.1 acres) |
| Account Number | 253301302 |
|---|---|
| Street Address | 157 PENNY LN |
| City | WARNE |
| State | NC |
| Zip | 28909-8501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1100 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 950201 |
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 | 157 PENNY LN, WARNE, NC 28909-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Clay County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,855.00 (+12.63%) | $566,400 (+72.05%) Land $208,900 Building $357,500 | $566,400 (+72.05%) Land $208,900 Building $357,500 |
| 2025 | $1,647.00 (+6.33%) | $329,200 (-) Land $116,000 Building $213,200 | $329,200 (-) Land $116,000 Building $213,200 |
| 2023 | $1,549.00 | $329,200 Land $116,000 Building $213,200 | $329,200 Land $116,000 Building $213,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% 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.
Source: FCC Broadband Data Collection, based on 70 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 |
4G LTE (outdoors only), no 5G reported
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