460 Sycamore Cir, Warne, NC 28909 Property Records

Clay County property record for 460 Sycamore Cir, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,880 sqft · built 1999
Lot Size	4.73 acres (206,039 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,350 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`542900200145`

Property Details

APN / Parcel Number

Primary APN	`542900200145`
Alternative APNs	`624516000` `13860301`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,880 sqft Heated Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	206,039 sqft (4.73 acres)

Location & Zoning

Account Number	624516000
Street Address	460 SYCAMORE CIR
City	WARNE
State	NC
Zip	28909-7728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2 WILLOW RIDGE
Legal Subdivision	WILLOW RDG # 1-11
Legal Tract	2
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1048
Census Tract	950202

Owner

460 Sycamore Cir is owned and occupied by two individuals who acquired it in July 2025.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	460 SYCAMORE CIR, WARNE, NC 28909-7728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jul 24, 2025	Intrafamily Transfer, Transfer
Jul 24, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 23, 2025
Transfer Doc	000487/376
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Recording Date	Jun 5, 2026
Property Address	460 SYCAMORE CIR, WARNE, NC 28909-7728
Document Number	0000001213
Book / Page	17 / 24
Instrument Date	May 1, 2026
Instrument	20261213
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	460 SYCAMORE CIR, WARNE, NC 28909-7728

Mortgage

Document Number	0000001213,
Date	Jun 5, 2026
Book Page	17/24
Instrument	20261213

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 5, 2051

Interest

Rate	6.46%
Max Rate	-1%

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Jul 24, 2025
Property Address	460 SYCAMORE CIR, WARNE, NC 28909-7728
Document Number	000487/376
Book / Page	487 / 376
Map Reference	CAB 3 SL 340
Instrument Date	Jul 23, 2025
Instrument	2025001439
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 SYCAMORE CIR, WARNE, NC 28909-7728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	460 SYCAMORE CIR, WARNE, NC 28909-7728

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Jul 24, 2025
Property Address	460 SYCAMORE CIR, WARNE, NC 28909-7728
Document Number	000487/375
Book / Page	487 / 375
Map Reference	CAB 3 SL 340
Instrument Date	Jul 23, 2025
Instrument	2025001438
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 SYCAMORE CIR, WARNE, NC 28909-7728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	460 SYCAMORE CIR, WARNE, NC 28909-7728

Tax Assessment & Valuation

The 2026 property tax bill for 460 Sycamore Cir was $1,350, up 13.1% from the year before.

Source: Clay County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Clay County
Unified School District	Clay County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,350.00 (+13.07%)	$403,400 (+73.28%) Land $85,300 Building $318,100	$403,400 (+73.28%) Land $85,300 Building $318,100
2025	$1,194.00	$232,800 Land $58,000 Building $174,800	$232,800 Land $58,000 Building $174,800
2023	$1,094.00	$232,800 Land $58,000 Building $174,800	$232,800 Land $58,000 Building $174,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 460 Sycamore Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 460 Sycamore Cir is moderate, ranking above 67% 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 67% of the US · above 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 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, T-Mobile, Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Sycamore Cir

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