Clay County property record for 460 Willow Ridge Cir, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,642 sqft · built 2006 |
| Lot Size | 1.75 acres (76,230 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $38,000 (Oct 2005) |
| Tax Bill | $1,521 (2026) |
| Deeds & Mortgages | Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 542900128662 |
| Primary APN | 542900128662 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,642 sqft Heated Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 76,230 sqft (1.75 acres) |
| Account Number | 8984301 |
|---|---|
| Street Address | 460 WILLOW RIDGE CIR |
| City | WARNE |
| State | NC |
| Zip | 28909-9124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 11 LOT 5 WILLOW RIDGE |
| Legal Subdivision | CONTAINING 1 |
| Legal Tract | 11 |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 950202 |
460 Willow Ridge Cir is owned and occupied by two individuals who bought it in October 2005.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 460 WILLOW RIDGE CIR, WARNE, NC 28909-9124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2005 · Amount on File |
| Deed Sale | Oct 28, 2005 · Amount on File |
| Deed Document Number | 20055491 |
| Deed Book / Page | 296 / 141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 460 WILLOW RIDGE CIR, WARNE, NC 28909-9124 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 460 WILLOW RIDGE CIR, WARNE, NC 28909-9124 |
| Document Number | 0000M16/20 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | M16/20 |
| Instrument | 2022000965 |
| Name | TRUITY FCU |
|---|---|
| Type | Credit Union |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 460 Willow Ridge Cir was $1,521, up 26.9% 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 | $1,521.00 (+26.86%) | $458,600 (+95.98%) Land $79,500 Building $379,100 | $458,600 (+95.98%) Land $79,500 Building $379,100 |
| 2025 | $1,199.00 | $234,000 Land $50,600 Building $183,400 | $234,000 Land $50,600 Building $183,400 |
| 2023 | $1,099.00 | $234,000 Land $50,600 Building $183,400 | $234,000 Land $50,600 Building $183,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 460 Willow Ridge Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 |
| 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 risk around 460 Willow Ridge Cir is moderate, ranking above 65% 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 65% of the US · above 88% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| RiverStreet Networks Fixed Wireless | 10 / 1 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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