Clay County property record for 51 Lora Ln, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft · built 1998 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $32,000 (Aug 2018) |
| Tax Bill | $845 (2026) |
| Deeds & Mortgages | Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 543900616528 |
| Primary APN | 543900616528 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 2,928 sqft Heated Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 18,731 sqft (0.43 acres) |
| Account Number | 616667000 |
|---|---|
| Street Address | 51 LORA LN |
| City | WARNE |
| State | NC |
| Zip | 28909-7714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 THE LAND OF OZ |
| Legal Subdivision | KIRK AUCTION PROPERTY |
| Legal Lot Number | 3 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 950201 |
Source: Clay County records, as of October 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 51 LORA LN, WARNE, NC 28909-7714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2018 · Amount on Record |
| Deed Sale | Aug 17, 2018 · Amount on Record |
| Deed Document Number | 20181856 |
| Deed Book / Page | 423 / 11 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Aug 17, 2018 |
| Property Address | 51 LORA LN, WARNE, NC 28909-7714 |
| Document Number | 423/0011 |
| Book / Page | 423 / 0011 |
| Map Reference | MB 1 PG 25 |
| Instrument Date | Dec 12, 2017 |
| Instrument | 2018001856 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $64.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 LORA LN, WARNE, NC 28909-7714 |
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 | $845.00 (+45.94%) | $207,100 (+175.4%) Land $19,400 Building $187,700 | $207,100 (+175.4%) Land $19,400 Building $187,700 |
| 2025 | $579.00 (+64.02%) | $75,200 (-) Land $16,100 Building $59,100 | $75,200 (-) Land $16,100 Building $59,100 |
| 2023 | $353.00 | $75,200 Land $16,100 Building $59,100 | $75,200 Land $16,100 Building $59,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 87% 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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Ridge Mountain EMC Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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