731 White Oak Dr, Warne, NC 28909 Property Records

Clay County property record for 731 White Oak Dr, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,021 sqft · built 2002
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Mar 2020)
Tax Bill	$1,755 (2026)
Deeds & Mortgages	Mar 2020 Sale Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`544800064353`

Property Details

APN / Parcel Number

Primary APN	`544800064353`
Alternative APN	`618347000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,021 sqft Heated Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Account Number	618347000
Street Address	731 WHITE OAK DR
City	WARNE
State	NC
Zip	28909-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 GOLDEN OAKS ESTATE
Legal Subdivision	OAKS ESTATE
Legal Lot Number	8
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	2
Census Block	2059
Census Tract	950201

Owner

731 White Oak Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	731 WHITE OAK DR, WARNE, NC 28909-8801
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Warranty Deed, Transfer
Mar 26, 2020	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2020 · Amount on File
Deed Sale	Mar 26, 2020 · Amount on File
Prior Sale	Mar 26, 2020 · Amount on File
Deed Document Number	2020686
Deed Book / Page	439 / 6
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 26, 2020
Property Address	731 WHITE OAK DR, WARNE, NC 28909-8801
Document Number	00000439/6
Book / Page	439 / 6
Map Reference	CAB 2 SL 779
Instrument Date	Mar 25, 2020
Instrument	2020000685
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8661 CHICKASAW FARMS LN, 8661, ORLANDO, FL 32825-8425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 OLD HERTFORD HWY, ELIZABETH CITY, NC 27909-8105

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 26, 2020
Property Address	731 WHITE OAK DR, WARNE, NC 28909-8801
Document Number	00000439/6
Book / Page	439 / 6
Map Reference	CAB 2 SL 799
Instrument Date	Mar 25, 2020
Instrument	2020000686
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	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8661 CHICKASAW FARMS LN, 8661, ORLANDO, FL 32825-8425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 OLD HERTFORD HWY, ELIZABETH CITY, NC 27909-8105

Mortgage

Document Number	2020000687
Date	Mar 26, 2020
Instrument	2020000687

Lender

Name	TOWNE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 731 White Oak Dr was $1,755, up 12.4% 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	$1,755.00 (+12.43%)	$534,100 (+71.74%) Land $125,000 Building $409,100	$534,100 (+71.74%) Land $125,000 Building $409,100
2025	$1,561.00	$311,000 Land $65,000 Building $246,000	$311,000 Land $65,000 Building $246,000
2023	$1,582.00	$336,600 Land $65,000 Building $271,600	$336,600 Land $65,000 Building $271,600

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

Flood

FEMA maps place 731 White Oak Dr 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 731 White Oak Dr is moderate, ranking above 68% 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 68% of the US · above 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 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

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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