320 Hall Cove Rd, Warne, NC 28909 Property Records

Clay County property record for 320 Hall Cove Rd, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,192 sqft · built 1993
Lot Size	2.63 acres (114,563 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Nov 2021)
Tax Bill	$1,353 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`543800898694`

Property Details

APN / Parcel Number

Primary APN	`543800898694`
Alternative APN	`620445000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	3 Half Baths
Building Area	3,192 sqft Heated Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	114,563 sqft (2.63 acres)

Location & Zoning

Account Number	620445000
Street Address	320 HALL COVE RD
City	WARNE
State	NC
Zip	28909-7701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 34 WHITE OAKS SUB
Legal Subdivision	WHITE OAKS SUB
Legal Lot Number	34
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	2
Census Block	2056
Census Tract	950201

Owner

320 Hall Cove Rd is owned and occupied by two individuals who bought it in November 2021.

Source: Clay County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	320 HALL COVE RD, WARNE, NC 28909-7701
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 8, 2021	Intrafamily Transfer, Transfer
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
May 23, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021 · Amount on File
Deed Sale	Nov 18, 2021 · Amount on File
Deed Document Number	20213791
Deed Book / Page	459 / 96
Prior Transfer Date	Jun 7, 2021
Prior Transfer Doc	453/200
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Nov 18, 2021
Property Address	320 HALL COVE RD, WARNE, NC 28909-7701
Document Number	459/96
Book / Page	459 / 96
Map Reference	MB 1 PG 92
Instrument Date	Nov 10, 2021
Instrument	2021003791
Transaction Type	Transfer
Record Updated	Dec 2, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63 TANYARD ST APT 13, 63, BLAIRSVILLE, GA 30512-4635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 HALL COVE RD, WARNE, NC 28909-7701

Mortgage

Document Number	2021003792
Date	Nov 18, 2021
Instrument	2021003792

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	Jun 8, 2021
Property Address	320 HALL COVE RD, WARNE, NC 28909-7701
Document Number	453/200
Book / Page	453 / 200
Map Reference	MB 1 PG 92
Instrument Date	Jun 8, 2021
Instrument	2021001982
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 HALL COVE RD, 320, WARNE, NC 28909-7701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 NORTHVIEW DR, CRESTVIEW, FL 32536-9255

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	320 HALL COVE RD, WARNE, NC 28909-7701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	Z14/0033
Date	Sep 13, 2019
Book Page	Z14/0033
Instrument	2019002119

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY NC
Recording Date	May 23, 2019
Property Address	320 HALL COVE RD, WARNE, NC 28909-7701
Document Number	430/0042
Book / Page	430 / 0042
Map Reference	DD CRP 336 PG 116
Instrument Date	May 23, 2019
Instrument	2019001086
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 HALL COVE RD, WARNE, NC 28909-7701

Tax Assessment & Valuation

The 2026 property tax bill for 320 Hall Cove Rd was $1,353, up 1.6% 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	$1,353.00 (+1.58%)	$404,500 (+54.27%) Land $66,300 Building $338,200	$404,500 (+54.27%) Land $66,300 Building $338,200
2025	$1,332.00	$262,200 Land $66,300 Building $195,900	$262,200 Land $66,300 Building $195,900
2023	$1,232.00	$262,200 Land $66,300 Building $195,900	$262,200 Land $66,300 Building $195,900

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

Flood

FEMA maps place 320 Hall Cove 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 320 Hall Cove Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 17 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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