Clay County property record for 349 White Oak Dr, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,780 sqft · built 2004 |
| Lot Size | 2.71 acres (118,048 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,135 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 543800971890 |
| Primary APN | 543800971890 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,780 sqft Heated Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 118,048 sqft (2.71 acres) |
| Account Number | 6725303 |
|---|---|
| Street Address | 349 WHITE OAK DR |
| City | WARNE |
| State | NC |
| Zip | 28909-9113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 REV WHITE OAKS |
| Legal Subdivision | WHITE OAK |
| Legal Lot Number | 15 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 950201 |
349 White Oak Dr is owned and occupied by two individuals.
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 File |
|---|---|
| Mailing Address | 349 WHITE OAK DR, WARNE, NC 28909-9113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK |
| Jul 6, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 349 WHITE OAK DR, WARNE, NC 28909-9113 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 349 WHITE OAK DR, WARNE, NC 28909-9113 |
| Document Number | 0000W16/21 |
|---|---|
| Date | Jun 6, 2023 |
| Book Page | W16/21 |
| Instrument | 2023001094 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 349 WHITE OAK DR, WARNE, NC 28909-9113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15/3 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 15/3 |
| Instrument | 2020001485 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WARNE, NC 28909 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 349 White Oak Dr was $2,135, up 10.1% 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 | $2,135.00 (+10.11%) | $656,700 (+67.83%) Land $67,100 Building $589,600 | $656,700 (+67.83%) Land $67,100 Building $589,600 |
| 2025 | $1,939.00 | $391,300 Land $67,100 Building $324,200 | $391,300 Land $67,100 Building $324,200 |
| 2023 | $1,839.00 | $391,300 Land $67,100 Building $324,200 | $391,300 Land $67,100 Building $324,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 349 White Oak Dr in Zone X, an area of minimal flood risk.
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 risk around 349 White Oak Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · above 85% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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) |
|---|---|
| Blue Ridge Mountain EMC Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Windstream.
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures