389 Lora Dr, Warne, NC 28909 Property Records

Clay County property record for 389 Lora Dr, Warne, NC 28909 · Last verified June 2026

Property Summary

Property Type	Other Improved
Lot Size	3.23 acres (140,699 sqft)
Owner	2 Company Names on File
Last Sale	$80,000 (Jun 2022)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`543900623984`

Property Details

APN / Parcel Number

Primary APN	`543900623984`
Alternative APNs	`621150000` `5409301`

Exterior

Lot Area	140,699 sqft (3.23 acres)

Location & Zoning

Account Number	621150000
Street Address	389 LORA DR
City	WARNE
State	NC
Zip	28909-8798
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT 40 KIRK AUCT PROP
Legal Subdivision	BRASSTOWN TOWNSHIP
Legal Lot Number	40
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1021
Census Tract	950201

Owner

Source: Clay County records · APN 543900623984

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

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

Owner of Record	2 Company Names on File
Mailing Address	97 FARMERS TOP, MURPHY, NC 28906-7164
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Jun 02, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 09, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 09, 2022 · Amount on Record
Deed Sale	Jun 09, 2022 · Amount on Record
Deed Document Number	20221548
Deed Book / Page	465 / 165
Last Transfer Date	May 22, 2026
Transfer Doc	0000001179
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jul 17, 2026
Property Address	389 LORA DR, WARNE, NC 28909-8798
Document Number	0000001578
Book / Page	491 / 497
Instrument Date	Jul 17, 2026
Instrument	20261578
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$28,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 LORA DR, WARNE, NC 28909-8798

Mortgage

Document Number	0000001579,
Date	Jul 17, 2026
Instrument	20261579

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jun 02, 2026
Property Address	389 LORA DR, WARNE, NC 28909-8798
Document Number	0000001179
Book / Page	491 / 178
Instrument Date	May 22, 2026
Instrument	20261179
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	97 FARMERS TOP, MURPHY, NC 28906-7164

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jun 09, 2022
Property Address	389 LORA DR, WARNE, NC 28909-8798
Document Number	000465/165
Book / Page	465 / 165
Instrument Date	Jun 09, 2022
Instrument	2022001548
Transaction Type	Transfer
Record Updated	Jun 23, 2022

Transaction

Amount	Amount Recorded
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3324 FLAGSHIP AVE, 3324, TAVARES, FL 32778-9220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 FARMERS TOP, MURPHY, NC 28906-7164

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Clay County
Unified School District	Clay 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.

Year	Assessed Value	Assessed Market Value
2025	$41,300 (-) Land $39,500 Building $1,800	$41,300 (-) Land $39,500 Building $1,800
2023	$41,300 Land $39,500 Building $1,800	$41,300 Land $39,500 Building $1,800

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 88% of North Carolina
Wildfire Likelihood	About 1 in 380 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
Blue Ridge Mountain Electric Membership	Fiber	1,000 / 1,000
Starlink	Satellite (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

Nearby Properties on Lora Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures