1811 Ford Rd, Warne, NC 28909 Property Records

Clay County property record for 1811 Ford Rd, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,112 sqft · built 1970
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Jun 2017)
Tax Bill	$544 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`543900836832`

Property Details

APN / Parcel Number

Primary APN	`543900836832`
Alternative APN	`615590000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,112 sqft Heated Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	41,382 sqft (0.95 acres)

Location & Zoning

Account Number	615590000
Street Address	1811 FORD RD
City	WARNE
State	NC
Zip	28909-8720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SR 1125 FORD ROAD
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	2 Individual Names on Record
Mailing Address	1811 FORD RD, WARNE, NC 28909-8720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2017 · Amount on Record
Deed Sale	Jun 26, 2017 · Amount on Record
Deed Document Number	20171267
Deed Book / Page	411 / 111
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jun 26, 2017
Property Address	1811 FORD RD, WARNE, NC 28909-8720
Document Number	411/111
Book / Page	411 / 111
Instrument Date	Jun 26, 2016
Instrument	2017001267
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 CONCRETE ALY, 251, WARNE, NC 28909-8719

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 DAVIS LOOP, HAYESVILLE, NC 28904-7377

Mortgage

Document Number	2017001268
Date	Jun 26, 2017
Instrument	2017001268

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
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	$544.00 (-7.01%)	$141,600 (+37.21%) Land $38,900 Building $102,700	$141,600 (+37.21%) Land $38,900 Building $102,700
2025	$585.00 (+20.62%)	$103,200 (-) Land $29,900 Building $73,300	$103,200 (-) Land $29,900 Building $73,300
2023	$485.00	$103,200 Land $29,900 Building $73,300	$103,200 Land $29,900 Building $73,300

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 62% of the US · above 85% 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 33 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

Cell Coverage

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

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