440 Lora Dr, Warne, NC 28909 Property Records

Clay County property record for 440 Lora Dr, Warne, NC 28909 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 2004
Lot Size	0.539 acres (23,522 sqft)
Owner	Individual Name on File
Tax Bill	$608 (2025)
Flood Zone	Zone X (minimal risk)
APN	`543900639278`

Property Details

APN / Parcel Number

Primary APN	`543900639278`
Alternative APN	`626302`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,944 sqft Heated Area

Exterior

Year Built	Built 2004
Lot Area	23,522 sqft (0.539 acres)

Location & Zoning

Account Number	626302
Street Address	440 LORA DR
City	WARNE
State	NC
Zip	28909-8706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 KIRK AUCTION
Legal Lot Number	34
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1021
Census Tract	950201

Owner

Source: Clay County records · APN 543900639278

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
Mailing Address	440 LORA DR, WARNE, NC 28909-8706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 26, 1997
Deed Sale	Sep 26, 1997
Deed Document Number	0000020395
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$608.00 (+17.37%)	$102,800 (-) Land $19,700 Building $83,100	$102,800 (-) Land $19,700 Building $83,100
2023	$518.00	$102,800 Land $19,700 Building $83,100	$102,800 Land $19,700 Building $83,100

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
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Moderate above 63% of the US · above 86% of North Carolina
Wildfire Likelihood	About 1 in 427 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.