Clay County property record for 285 Pine Cone Ln, Warne, NC 28909 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,912 sqft · built 1999 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,084 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 541800895586 |
| Primary APN | 541800895586 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,912 sqft Heated Area |
| Year Built | Built 1999 |
|---|---|
| Lot Area | 871,200 sqft (20 acres) |
| Account Number | 2760301 |
|---|---|
| Street Address | 285 PINE CONE LN |
| City | WARNE |
| State | NC |
| Zip | 28909-8633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1104 PINE LOG |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1071 |
| Census Tract | 950202 |
Source: Clay County records · APN 541800895586
Assessment roll updated January 1, 2025 · Last verified October 2025
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 File |
|---|---|
| Mailing Address | 285 PINE TRL, WARNE, NC 28909-8634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000009941 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 285 PINE CONE LN, WARNE, NC 28909-8633 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017000806 |
|---|---|
| Date | Apr 20, 2017 |
| Book Page | 014/023 |
| Instrument | 2017000806 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,084.00 (-26.16%) | $312,500 (-) Land $124,500 Building $188,000 | $312,500 (-) Land $124,500 Building $188,000 |
| 2023 | $1,468.00 | $312,500 Land $124,500 Building $188,000 | $312,500 Land $124,500 Building $188,000 |
Source: FEMA National Flood Hazard Layer, Clay County (37043C), updated May 4, 2009 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 62% of the US · above 84% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 518 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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