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Single Family ResidentialResidential
$527,430$145 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $350,000 on Oct 6, 2020

282 SADDLE RIDGE DR

WARNE, NC 28909
3
Beds
3
Baths
3,631 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3.39 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.

Valuation

$527K
$472K low$582K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Oct 6, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,649 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$329,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$73,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$255,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$329,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$329,600

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.37 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyClay
Lot (acres)The size of the land the home sits on, from county records.3.39

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Hayesville Middle SchoolC
Middle · Grades 6–8 · 5.8 mi
H
Hayesville High SchoolB-
High · Grades 9–12 · 6.0 mi
E
Hayesville Primary School
Elementary · Grades PK–2 · 6.1 mi

District: Clay County Schools

Neighborhood · ZIP 28909These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.112

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.67%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.1,108
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.114 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,866
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,706
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

282 Saddle Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in Warne 28909
  • Costs less per square foot than 72% of homes in Clay County
  • Bigger than 96% of homes in Warne 28909
  • Has a bigger lot than 78% of homes in Clay County
  • Newer than 78% of homes in Warne 28909

What homes are worth in Warne 28909

Each bar is how many homes fall in that price range. The marker is this home.

This home
$69K$681K

This home is worth more than 93% of homes in Warne 28909.

How it measures up in Warne 28909

The dot is this home. The mark in the middle is the typical home in Warne 28909.

Estimated value$527,430
CheaperTypical $239,263Pricier

Pricier than 93% of homes nearby

Price per ft²$145
CheaperTypical $148Pricier

Pricier than 49% of homes nearby

Living area3,631 ft²
SmallerTypical 1,596 ft²Bigger

Bigger than 96% of homes nearby

Lot size3.39 ac
SmallerTypical 1.5 acBigger

Bigger than 74% of homes nearby

Year built2004
OlderTypical 1997Newer

Newer than 78% of homes nearby

How 282 Saddle Ridge Dr ranks against every home in each area.
MeasureThis homeWarne 28909Clay County
Estimated valuepricier than$527,43093% of homes78% of homes
Price per ft²pricier than$14549% of homes28% of homes
Living areabigger than3,631 ft²96% of homes90% of homes
Lot sizebigger than3.39 ac74% of homes78% of homes
Year builtnewer than200478% of homes76% of homes

About 282 Saddle Ridge Dr

How much is 282 Saddle Ridge Dr, Warne, NC worth?

The TopHap Estimate for 282 Saddle Ridge Dr, Warne, NC is $527,430 as of Jul 14, 2026. The likely range is $472,381 to $582,479. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 282 Saddle Ridge Dr, Warne, NC last sell?

282 Saddle Ridge Dr, Warne, NC last sold on Oct 6, 2020 for $350,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 282 Saddle Ridge Dr, Warne, NC?

282 Saddle Ridge Dr, Warne, NC has 3 bedrooms, 3 bathrooms, 3,631 square feet of living space and a 3.39-acre lot.

When was 282 Saddle Ridge Dr, Warne, NC built?

282 Saddle Ridge Dr, Warne, NC was built in 2004, making it 22 years old.

What schools serve 282 Saddle Ridge Dr, Warne, NC?

282 Saddle Ridge Dr, Warne, NC is assigned to Hayesville Middle School (middle), rated C; Hayesville High School (high), rated B-; Hayesville Primary School (elementary). All sit in Clay County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 282 Saddle Ridge Dr, Warne, NC compare to other homes in Warne 28909?

Among the 571 homes in Warne 28909, it is worth more than 93% of them ($527,430 against a typical $239,263), its price per square foot is higher than 49% of them ($145 against a typical $148), it is bigger than 96% of them (3,631 ft² against a typical 1,596 ft²), its lot is bigger than 74% of them (3.39 ac against a typical 1.5 ac) and it is newer than 78% of them (2004 against a typical 1997). Measured against all of Clay County, it is worth more than 78% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 282 Saddle Ridge Dr, Warne, NC?

The 2025 property tax bill for 282 Saddle Ridge Dr, Warne, NC was $1,649. The county assessed it at $329,600.

Closest homes

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Assigned schools

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