295 White Oak Dr, Warne, NC 28909 Property Records

Clay County property record for 295 White Oak Dr, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,162 sqft · built 1997
Lot Size	1.31 acres (57,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$431,000 (Sep 2026)
Tax Bill	$1,193 (2026)
Deeds & Mortgages	Sep 2026 Sale & Line of Credit Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`543800879987`

Property Details

APN / Parcel Number

Primary APN	`543800879987`
Alternative APNs	`622168000` `8481301`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,162 sqft Heated Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	57,064 sqft (1.31 acres)

Location & Zoning

Account Number	622168000
Street Address	295 WHITE OAK DR
City	WARNE
State	NC
Zip	28909-7723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 & P/O LOT 15
Legal Subdivision	WHITE OAK SUBDIVISION
Legal Lot Number	16,15
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	2
Census Block	2059
Census Tract	950201

Owner

Source: Clay County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9755 PARKINSONIA TREE TRL, B, BOYNTON BEACH, FL 33436-0627
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE
Mar 7, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Mar 7, 2023 · Amount on Record
Deed Document Number	20262073
Deed Book / Page	492 / 346
Prior Transfer Date	Sep 1, 2010
Prior Transfer Doc	353/232
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 4, 2026
Property Address	295 WHITE OAK DR, WARNE, NC 28909-7723
Document Number	0000002073
Book / Page	492 / 346
Instrument Date	Jul 29, 2026
Instrument	20262073
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$87,062.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9755 PARKINSONIA TREE TRL, BOYNTON BEACH, FL 33436-0627

Mortgage

Document Number	0000002074,
Date	Sep 4, 2026
Instrument	20262074

Lender

Name	GUARANTEED RATE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	887 Months
Due	Aug 12, 2100

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 7, 2023
Property Address	295 WHITE OAK DR, WARNE, NC 28909-7723
Document Number	0000474/18
Book / Page	474 / 18
Map Reference	MB 1 PG 92
Instrument Date	Mar 6, 2023
Instrument	2023000510
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount Recorded
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 HIWASSEE ST, MURPHY, NC 28906-2905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 WHITE OAK DR, WARNE, NC 28909-7723

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	$1,193.00 (-0.17%)	$352,700 (+51.37%) Land $73,100 Building $279,600	$352,700 (+51.37%) Land $73,100 Building $279,600
2025	$1,195.00	$233,000 (+1.75%) Land $73,100 Building $159,900	$233,000 (+1.75%) Land $73,100 Building $159,900
2023		$229,000 Land $73,100 Building $155,900	$229,000 Land $73,100 Building $155,900

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 84% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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

5G and 4G LTE (outdoors only)

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