Clay County property record for 286 Pine Trl, Warne, NC 28909 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,288 sqft Heated Area |
| Lot Size | 440,392 sqft (10.1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $394,000 (2023) |
| Tax Bill | $819.00 (2025) |
Source: Clay County records · APN 542800182692
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 | Individual Name on File |
|---|---|
| Mailing Address | 286 PINE TRL, WARNE, NC 28909-8634 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 07, 2023 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Feb 15, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 07, 2023 · Amount on Record |
| Deed Sale | Jun 07, 2023 · Amount on Record |
| Deed Doc Number | 0000047627 |
| Deed Book / Page | 476 / 27 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Jun 07, 2023 |
| Property Address | 286 PINE TRL, WARNE, NC 28909-8634 |
| Document Number | 0000476/27 |
| Book / Page | 476 / 27 |
| Map Reference | CAB 3 SL 499 |
| Instrument Date | Jun 07, 2023 |
| Instrument | 2023001100 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $788.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8150 PINE RIDGE TRL, MICCO, FL 32976-2503 |
| Name | Verified Name |
|---|---|
| Address | 286 PINE TRL, WARNE, NC 28909-8634 |
| Document Number | 2023001101 |
|---|---|
| Date | Jun 07, 2023 |
| Instrument | 2023001101 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 286 PINE TRL, WARNE, NC 28909-8634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Name | Verified Name |
|---|
| Document Number | T14/0053 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | T14/0053 |
| Instrument | 2019000358 |
| 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 (Revolving credit lines are monthly unless stated otherwise). |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $819.00 (+13.91%) | $153,100 (-) Land $70,100 Building $83,000 | $153,100 (-) Land $70,100 Building $83,000 |
| 2023 | $719.00 | $153,100 Land $70,100 Building $83,000 | $153,100 Land $70,100 Building $83,000 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 69% of the US · above 91% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 338 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 542800182692 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,288 sqft Heated Area |
| Year Built | Built 2003 |
|---|---|
| Lot Area | 440,392 sqft (10.1 acres) |
| Account Number | 622371000 |
|---|---|
| Street Address | 286 PINE TRL |
| City | WARNE |
| State | NC |
| Zip | 28909-8634 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SR 1104 |
| Jurisdiction | CLAY NC |
| Minor Civil Division | BRASSTOWN |
| Census Blockgroup | 1 |
| Census Block | 1071 |
| Census Tract | 950202 |
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