Clay County property record for 391 Lora Dr, Warne, NC 28909 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,746 sqft · built 2010 |
| Lot Size | 6.59 acres (287,496 sqft) |
| Owner | Individual Name on File |
| Last Sale | $399,000 (Sep 2021) |
| Tax Bill | $1,597 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 543900633194 |
| Primary APN | 543900633194 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,746 sqft Heated Area |
| Year Built | Built 2010 |
|---|---|
| Lot Area | 287,496 sqft (6.59 acres) |
| Account Number | 620661000 |
|---|---|
| Street Address | 391 LORA DR |
| City | WARNE |
| State | NC |
| Zip | 28909-8798 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 38 39 & P/O LOT 40 |
| Legal Lot Number | 38-40 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 950201 |
Source: Clay County records · APN 543900633194
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 391 LORA DR, WARNE, NC 28909-8798 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 09, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Sep 01, 2021 | Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2021 · Amount on Record |
| Deed Sale | Sep 01, 2021 · Amount on Record |
| Deed Document Number | 0000456165 |
| Deed Book / Page | 456 / 165 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 391 LORA DR, WARNE, NC 28909-8798 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000B17/83 |
|---|---|
| Date | Jun 09, 2025 |
| Book Page | B17/83 |
| Instrument | 2025001118 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 4000 APPALACHIAN HWY, BLUE RIDGE, GA 30513 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 20, 2050 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Sep 01, 2021 |
| Property Address | 391 LORA DR, WARNE, NC 28909-8798 |
| Document Number | 000456/165 |
| Book / Page | 456 / 165 |
| Map Reference | CAB 6 SL 416 |
| Instrument Date | Sep 01, 2021 |
| Instrument | 2021002891 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $798.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 391 LORA DR, WARNE, NC 28909-8798 |
| Document Number | 2021002892 |
|---|---|
| Date | Sep 01, 2021 |
| Instrument | 2021002892 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Clay County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Clay County |
| Unified School District | Clay County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,597.00 (+6.68%) | $318,600 (-) Land $61,400 Building $257,200 | $318,600 (-) Land $61,400 Building $257,200 |
| 2023 | $1,497.00 | $318,600 Land $61,400 Building $257,200 | $318,600 Land $61,400 Building $257,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| 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.
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.
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