48 Clay Smith Ln, Warne, NC 28909 Property Records

Clay County property record for 48 Clay Smith Ln, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 2008
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$143,500 (Jul 2019)
Tax Bill	$855 (2026)
Deeds & Mortgages	Mar 2009 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`543900231224`

Property Details

APN / Parcel Number

Primary APN	`543900231224`
Alternative APN	`617582000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,248 sqft Heated Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	52,272 sqft (1.2 acres)

Location & Zoning

Account Number	617582000
Street Address	48 CLAY SMITH LN
City	WARNE
State	NC
Zip	28909-8103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 WESLEY MEADOWS
Legal Subdivision	WESLEY MEADOWS SUBDIVISION
Legal Lot Number	5
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1020
Census Tract	950201

Owner

48 Clay Smith Ln is owned and occupied by two individuals who bought it in July 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	48 CLAY SMITH LN, WARNE, NC 28909-8103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2009	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Jul 23, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK
Apr 15, 2008	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019 · Amount on File
Deed Sale	Jul 23, 2019 · Amount on File
Prior Sale	Apr 15, 2008 · Amount on File
Deed Document Number	20191586
Deed Book / Page	431 / 199
Record Updated	Oct 29, 2026

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	48 CLAY SMITH LN, WARNE, NC 28909-8103
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000F11/012
Date	Mar 11, 2009
Book Page	F11/012
Instrument	2009000677

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	00000

Agreement

Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jul 23, 2019
Property Address	48 CLAY SMITH LN, WARNE, NC 28909-8103
Document Number	00431/0199
Book / Page	431 / 0199
Map Reference	CAB 4 SL 1326
Instrument Date	Jul 19, 2019
Instrument	2019001586
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 CLAY SMITH LN, WARNE, NC 28909-8103

Mortgage

Document Number	2019001587
Date	Jul 23, 2019
Instrument	2019001587

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Apr 15, 2008
Property Address	48 CLAY SMITH LN, WARNE, NC 28909-8103
Document Number	000330/119
Book / Page	330 / 119
Map Reference	CAB 4 SL 1326
Instrument Date	Mar 6, 2008
Instrument	2008001317
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Tax	$52.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 BELL ST, ELIZABETH CITY, NC 27909-3510

Mortgage

Document Number	2008001318
Date	Apr 15, 2008
Instrument	2008001318

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Apr 15, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 48 Clay Smith Ln was $855, up 9.1% 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	$855.00 (+9.06%)	$243,700 (+67.26%) Land $32,000 Building $211,700	$243,700 (+67.26%) Land $32,000 Building $211,700
2025	$784.00	$145,700 Land $31,500 Building $114,200	$145,700 Land $31,500 Building $114,200
2023	$684.00	$145,700 Land $31,500 Building $114,200	$145,700 Land $31,500 Building $114,200

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

Flood

FEMA maps place 48 Clay Smith Ln in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	2 in force

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 48 Clay Smith Ln 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 89% 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 36 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: Blue Ridge Mountain EMC, Verizon.

Cell Coverage

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

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