935 White Oak Dr, Warne, NC 28909 Property Records

Clay County property record for 935 White Oak Dr, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,352 sqft · built 2006
Lot Size	1.85 acres (80,586 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Sep 2025)
Tax Bill	$1,951 (2026)
Deeds & Mortgages	Dec 2019 Line of Credit Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544800067758`

Property Details

APN / Parcel Number

Primary APN	`544800067758`
Alternative APNs	`624703000` `620867000` `10181301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,352 sqft Heated Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	80,586 sqft (1.85 acres)

Location & Zoning

Account Number	624703000
Street Address	935 WHITE OAK DR
City	WARNE
State	NC
Zip	28909-7739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 GOLDEN OAKS ESTAT
Legal Subdivision	GOLDEN OAKS ESTATE
Legal Lot Number	11
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	2
Census Block	2059
Census Tract	950201

Owner

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 Record
Mailing Address	2509 BROOKHAVEN DR, YOUNG HARRIS, GA 30582-1463
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Mar 28, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Document Number	20251973
Deed Book / Page	488 / 283
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	935 WHITE OAK DR, WARNE, NC 28909-7739
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00C15/0039
Date	Dec 19, 2019
Book Page	C15/0039
Instrument	2019003036

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 30, 2025
Property Address	935 WHITE OAK DR, WARNE, NC 28909-7739
Document Number	000488/283
Book / Page	488 / 283
Map Reference	CAB 2 SL 799
Instrument Date	Sep 30, 2025
Instrument	2025001973
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	935 WHITE OAK DR, WARNE, NC 28909-7739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 BROOKHAVEN DR, YOUNG HARRIS, GA 30582-1463

Mortgage

Document Number	2025001974
Date	Sep 30, 2025
Instrument	2025001974

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Mar 28, 2022
Property Address	935 WHITE OAK DR, WARNE, NC 28909-7739
Document Number	000463/127
Book / Page	463 / 127
Map Reference	CAB 2 SL 799
Instrument Date	Mar 28, 2022
Instrument	2022000854
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Tax	$998.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1204 LAKE DR, 1204, TIFTON, GA 31794-3835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 FJORD RD, ROSMAN, NC 28772-9837

Tax Assessment & Valuation

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	$1,951.00 (+30.41%)	$597,100 (+100.98%) Land $128,500 Building $468,600	$597,100 (+100.98%) Land $128,500 Building $468,600
2025	$1,496.00 (+7.16%)	$297,100 (-) Land $68,500 Building $228,600	$297,100 (-) Land $68,500 Building $228,600
2023	$1,396.00	$297,100 Land $68,500 Building $228,600	$297,100 Land $68,500 Building $228,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

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

Nearby Properties on White Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures