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287 Lora Dr, Warne, NC 28909 Property Records

Clay County property record for 287 Lora Dr, Warne, NC 28909 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,944 sqft · built 2000
Lot Size2.9 acres (126,324 sqft)
OwnerIndividual Name on File
Last Sale$215,000 (Jul 2022)
Tax Bill$979 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN543900623774

Property Details

APN / Parcel Number

Primary APN543900623774
Alternative APNs
  • 621232000
  • 9938301

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths3 Half Baths
Building Area1,944 sqft Heated Area

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Lot Area126,324 sqft (2.9 acres)

Location & Zoning

Account Number621232000
Street Address287 LORA DR
CityWARNE
StateNC
Zip28909-9740
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 41 KIRK AUCTION PROP
Legal SubdivisionKUYKENDALL SUBDIVISION
Legal Lot Number41
JurisdictionCLAY NC
Township / Civil DivisionBRASSTOWN
Census Block Group1
Census Block1021
Census Tract950201

Owner

Source: Clay County records · APN 543900623774

Assessment roll updated October 16, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address287 LORA DR, WARNE, NC 28909-9740
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 22, 2022 · Amount on Record
Deed SaleJul 22, 2022 · Amount on Record
Prior SaleNov 20, 2014 · Amount on Record
Deed Document Number20221969
Deed Book / Page467 / 36
Record UpdatedSep 20, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY NC
Recording DateJul 22, 2022
Property Address287 LORA DR, WARNE, NC 28909-9740
Document Number0000467/36
Book / Page467 / 36
Map ReferenceMB 1 PG 25
Instrument DateJul 22, 2022
Instrument2022001969
Transaction TypeTransfer
Record UpdatedAug 22, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$430.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address265 NEEDMORE DR, 265, HAYESVILLE, NC 28904-6242

Transferred To (Grantee/Buyer)

NameVerified Name
Address287 LORA DR, WARNE, NC 28909-9740

Mortgage

Document Number2022001970
DateJul 22, 2022
Instrument2022001970
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated October 16, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyClay County
Unified School DistrictClay County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$979.00 (+11.38%)$187,200 (-) Land $37,400 Building $149,800$187,200 (-) Land $37,400 Building $149,800
2023$879.00$187,200 Land $37,400 Building $149,800$187,200 Land $37,400 Building $149,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (37043C), updated May 4, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370439502011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskModerate
above 66% of the US · above 88% of North Carolina
Wildfire LikelihoodAbout 1 in 380 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Blue Ridge Mountain Electric MembershipFiber1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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

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