Clay County property record for 992 White Oak Dr, Warne, NC 28909
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,076 sqft · built 2004 |
| Lot Size | 2.93 acres (127,631 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,553 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 544800163426 |
| Primary APN | 544800163426 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,800 sqft Heated Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 127,631 sqft (2.93 acres) |
| Account Number | 9529301 |
|---|---|
| Street Address | 992 WHITE OAK DR |
| City | WARNE |
| State | NC |
| Zip | 28909-7739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 GOLDEN OAKS ESTAT |
| Legal Subdivision | GOLDEN OAKS ESTATES SUBDIVISION |
| Legal Lot Number | 16 |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 950201 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3290 HIDDEN ACRES DR, ATLANTA, GA 30340-4444 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 992 WHITE OAK DR, WARNE, NC 28909-7739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | Q15/31 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | Q15/31 |
| Instrument | 2020003156 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2035 |
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 | $1,553.00 (+14.78%) | $468,800 (+75.71%) Land $159,300 Building $309,500 | $468,800 (+75.71%) Land $159,300 Building $309,500 |
| 2025 | $1,353.00 (+7.98%) | $266,800 (-) Land $89,300 Building $177,500 | $266,800 (-) Land $89,300 Building $177,500 |
| 2023 | $1,253.00 | $266,800 Land $89,300 Building $177,500 | $266,800 Land $89,300 Building $177,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 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.
5G (outdoors only) and 4G LTE
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