971 White Oak Dr, Warne, NC 28909 Property Records

Clay County property record for 971 White Oak Dr, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,226 sqft · built 1999
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Jul 2026)
Tax Bill	$330 (2026)
Deeds & Mortgages	Jul 2026 Sale Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544800162851`

Property Details

APN / Parcel Number

Primary APN	`544800162851`
Alternative APN	`620444000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Building Area	3,226 sqft Heated Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Account Number	620444000
Street Address	971 WHITE OAK DR
City	WARNE
State	NC
Zip	28909-7739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 GOLDEN OAKS ESTAT
Legal Subdivision	GOLDEN OAKS ESTATES SUBDIVISION
Legal Lot Number	15
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	971 WHITE OAK DR, WARNE, NC 28909-7739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jul 2, 2020	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Document Number	20261524
Deed Book / Page	491 / 450
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Jul 10, 2026
Property Address	971 WHITE OAK DR, WARNE, NC 28909-7739
Document Number	0000001524
Book / Page	491 / 450
Instrument Date	Jul 10, 2026
Instrument	20261524
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$99,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 WHITE OAK DR, WARNE, NC 28909-7739

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	971 WHITE OAK DR, WARNE, NC 28909-7739
Transaction Type	Mortgage
Record Updated	Jul 27, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 WHITE OAK DR, WARNE, NC 28909-7739

Mortgage

Document Number	0000X16/19
Date	Jul 12, 2023
Book Page	X16/19
Instrument	2023001358

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY NC
Recording Date	Jul 2, 2020
Property Address	971 WHITE OAK DR, WARNE, NC 28909-7739
Document Number	441/116
Book / Page	441 / 116
Map Reference	CAB 2 SL 799
Instrument Date	May 2, 2020
Instrument	2020001476
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	233 FOREST COVE TRL, 233, HAYESVILLE, NC 28904-9575

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 WHITE OAK DR, WARNE, NC 28909-7739

Mortgage

Document Number	2020001477
Date	Jul 2, 2020
Instrument	2020001477

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$330.00 (-76.91%)	$535,400 (+89.32%) Land $125,000 Building $410,400	$535,400 (+89.32%) Land $125,000 Building $410,400
2025	$1,429.00 (+7.52%)	$282,800 (-) Land $65,000 Building $217,800	$282,800 (-) Land $65,000 Building $217,800
2023	$1,329.00	$282,800 Land $65,000 Building $217,800	$282,800 Land $65,000 Building $217,800

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

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

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