Clay County property record for 220 Willow Way, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,236 sqft · built 2006 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Nov 2023) |
| Tax Bill | $1,289 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 542900211796 |
| Primary APN | 542900211796 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,236 sqft Heated Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 43,996 sqft (1.01 acres) |
| Account Number | 622717000 |
|---|---|
| Street Address | 220 WILLOW WAY |
| City | WARNE |
| State | NC |
| Zip | 28909-9127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 10C LOT 2 WILLOW RIDG |
| Legal Subdivision | WILLOW RIDGE SUBDIVISION |
| Legal Tract | 10C |
| Legal Lot Number | 2 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 950202 |
220 Willow Way is owned by two individuals who bought it in November 2023.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 137TH AVENUE CIR, MADEIRA BEACH, FL 33708-2511 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2023 · Amount on File |
| Deed Sale | Nov 2, 2023 · Amount on File |
| Prior Sale | Apr 18, 2006 · Amount on File |
| Deed Document Number | 20232252 |
| Deed Book / Page | 480 / 71 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Nov 2, 2023 |
| Property Address | 220 WILLOW WAY, WARNE, NC 28909-9127 |
| Document Number | 0CRP480/71 |
| Book / Page | CRP 480 / 71 |
| Map Reference | CAB 4 SL 157 |
| Instrument Date | Nov 2, 2023 |
| Instrument | 2023002252 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 137TH AVENUE CIR, MADEIRA BEACH, FL 33708-2511 |
| Document Number | 2023002253 |
|---|---|
| Date | Nov 2, 2023 |
| Instrument | 2023002253 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.8% |
| Margin | 3 |
| Max Rate | 11.8% |
The 2026 property tax bill for 220 Willow Way was $1,289, up 21.7% from the year before.
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 | $1,289.00 (+21.72%) | $351,600 (+87.42%) Land $60,000 Building $291,600 | $351,600 (+87.42%) Land $60,000 Building $291,600 |
| 2025 | $1,059.00 | $187,600 Land $37,500 Building $150,100 | $187,600 Land $37,500 Building $150,100 |
| 2023 | $881.00 | $187,600 Land $37,500 Building $150,100 | $187,600 Land $37,500 Building $150,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 Willow Way in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2013–2021) |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
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 risk around 220 Willow Way is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 88% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| RiverStreet Networks Fixed Wireless | 10 / 1 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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