Clay County property record for 324 Owens Rd, Brasstown, NC 28902
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,052 sqft · built 2003 |
| Lot Size | 13 acres (568,894 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,264 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Mar 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 541900154076 |
| Primary APN | 541900154076 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 2,052 sqft Heated Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 568,894 sqft (13 acres) |
| Account Number | 14558302 |
|---|---|
| Street Address | 324 OWENS RD |
| City | BRASSTOWN |
| State | NC |
| Zip | 28902-8062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SR 1101 PINE LOG TR 4 |
| Legal Subdivision | N OWENS K L DOCKERY & T E OWEN |
| Legal Tract | 4 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 950202 |
324 Owens Rd is owned and occupied by two individuals.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 OWENS RD, BRASSTOWN, NC 28902-8062 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED STATES OF AMERICA |
| Mar 23, 2026 | Deed of Trust, Mortgage · Line of Credit TRULIANT FCU |
| Sep 21, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Oct 5, 2026 |
| Property Address | 324 OWENS RD, BRASSTOWN, NC 28902-8062 |
| Document Number | 0000002364 |
| Book / Page | 17 / 203 |
| Instrument Date | Sep 19, 2026 |
| Instrument | 20262364 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 324 OWENS RD, BRASSTOWN, NC 28902-8062 |
| Document Number | 0000002364, |
|---|---|
| Date | Oct 5, 2026 |
| Book Page | 17/203 |
| Instrument | 20262364 |
| Name | UNITED STATES OF AMERICA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 8, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 324 OWENS RD, BRASSTOWN, NC 28902-8062 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000B17/417 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | B17/417 |
| Instrument | 2026000537 |
| Name | TRULIANT FCU |
|---|---|
| Type | Credit Union |
| Address | 3200 TRULIANT WAY, WINSTON SALEM, NC 27103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2056 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 324 OWENS RD, BRASSTOWN, NC 28902-8062 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017001999 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 014/004 |
| Instrument | 2017001999 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Address | Herndon, VA 20170 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2032 |
The 2026 property tax bill for 324 Owens Rd was $1,264, up 35.8% 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 | $1,264.00 (+35.77%) | $362,200 (+121.12%) Land $149,900 Building $212,300 | $362,200 (+121.12%) Land $149,900 Building $212,300 |
| 2025 | $931.00 | $163,800 Land $94,900 Building $68,900 | $163,800 Land $94,900 Building $68,900 |
| 2023 | $859.00 | $163,800 Land $94,900 Building $68,900 | $163,800 Land $94,900 Building $68,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 Owens Rd 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 324 Owens Rd is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 88% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| RiverStreet Networks Fixed Wireless | 25 / 3 |
May also be available: Blue Ridge Mountain EMC.
4G LTE (outdoors only), no 5G reported
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