Clay County property record for 539 Henson Rd, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1985 |
| Lot Size | 2.7 acres (117,612 sqft) |
| Owner | Individual Name on File |
| Last Sale | $53,000 (Sep 2021) |
| Tax Bill | $324 (2026) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 542900800285 |
| Primary APN | 542900800285 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 912 sqft Heated Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 117,612 sqft (2.7 acres) |
| Account Number | 620261000 |
|---|---|
| Street Address | 539 HENSON RD |
| City | WARNE |
| State | NC |
| Zip | 28909-7744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 87 KIRK AUCT PROP |
| Legal Lot Number | 87 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1076 |
| Census Tract | 950202 |
539 Henson Rd is owned and occupied by an individual who bought it in September 2021.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 539 HENSON RD, WARNE, NC 28909-7744 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2021 · Amount on File |
| Deed Sale | Sep 24, 2021 · Amount on File |
| Prior Sale | Nov 1, 2010 · Amount on File |
| Deed Document Number | 20213133 |
| Deed Book / Page | 457 / 92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Sep 24, 2021 |
| Property Address | 539 HENSON RD, WARNE, NC 28909-7744 |
| Document Number | 0000457/92 |
| Book / Page | 457 / 92 |
| Map Reference | MB 1 PG 24 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021003133 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $106.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 539 HENSON RD, WARNE, NC 28909-7744 |
| Document Number | 2021003134 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 2021003134 |
| Name | LOCAL GOVERNMENT EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Index | 5-Year CMT |
| Max Rate | 9.15% |
The 2026 property tax bill for 539 Henson Rd was $324, down 12.9% 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 | $324.00 (-12.9%) | $72,300 (+24.66%) Land $49,500 Building $22,800 | $72,300 (+24.66%) Land $49,500 Building $22,800 |
| 2025 | $372.00 | $58,000 Land $36,100 Building $21,900 | $58,000 Land $36,100 Building $21,900 |
| 2023 | $272.00 | $58,000 Land $36,100 Building $21,900 | $58,000 Land $36,100 Building $21,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 Henson Rd 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 539 Henson Rd is moderate, ranking above 61% 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 61% of the US · above 84% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 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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