96 Scenic Rd, Warne, NC 28909 Property Records

Clay County property record for 96 Scenic Rd, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,284 sqft · built 1980
Lot Size	0.864 acres (37,636 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2024)
Tax Bill	$901 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`543800592538`

Property Details

APN / Parcel Number

Primary APN	`543800592538`
Alternative APNs	`616575000` `623644000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	1,284 sqft Heated Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	37,636 sqft (0.864 acres)

Location & Zoning

Account Number	623644000
Street Address	96 SCENIC RD
City	WARNE
State	NC
Zip	28909-9746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 AND P/O LOT 8 KIRK AUCTION
Legal Subdivision	KUYKENDALL SUBDIVISION
Legal Lot Number	7,8
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1033
Census Tract	950201

Owner

96 Scenic Rd is owned and occupied by two individuals who bought it in August 2024.

Source: Clay County records, as of October 19, 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	96 SCENIC RD, WARNE, NC 28909-9746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST RELIANCE BANK
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2024 · Amount on File
Deed Sale	Aug 30, 2024 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	20241818
Deed Book / Page	484 / 90
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	96 SCENIC RD, WARNE, NC 28909-9746
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	F16/21
Date	Oct 8, 2021
Book Page	F16/21
Instrument	2021003292

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOUNT PLEASANT, SC 29464

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jun 29, 2018
Property Address	96 SCENIC RD, WARNE, NC 28909-9746
Document Number	421/0166
Book / Page	421 / 0166
Map Reference	CAB 5 SL 1156
Instrument Date	Jun 28, 2018
Instrument	2018001484
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018001485
Date	Jun 29, 2018
Instrument	2018001485

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 96 Scenic Rd was $901, up 16% 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	$901.00 (+15.96%)	$258,700 (+79.53%) Land $32,000 Building $226,700	$258,700 (+79.53%) Land $32,000 Building $226,700
2025	$777.00	$144,100 Land $24,600 Building $119,500	$144,100 Land $24,600 Building $119,500
2023	$677.00	$144,100 Land $24,600 Building $119,500	$144,100 Land $24,600 Building $119,500

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

Flood

FEMA maps place 96 Scenic Rd 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 96 Scenic Rd 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 90% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain EMC Fiber	1,000 / 1,000

Cell Coverage

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

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