446 Beach Cove Rd, Warne, NC 28909 Property Records

Clay County property record for 446 Beach Cove Rd, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,486 sqft · built 1950
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Sep 2026)
Tax Bill	$597 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`543900121637`

Property Details

APN / Parcel Number

Primary APN	`543900121637`
Alternative APN	`529302`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	2,486 sqft Heated Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	148,104 sqft (3.4 acres)

Location & Zoning

Account Number	529302
Street Address	446 BEACH COVE RD
City	WARNE
State	NC
Zip	28909-8780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 ETNA COKER PROP
Legal Subdivision	ETNA COKER PROP
Legal Lot Number	2
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1020
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	446 BEACH COVE RD, WARNE, NC 28909-8780
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit NANTAHALA BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Deed Document Number	20262144
Deed Book / Page	492 / 405
Prior Transfer Date	Mar 8, 2013
Prior Transfer Doc	0000000535
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Sep 11, 2026
Property Address	446 BEACH COVE RD, WARNE, NC 28909-8780
Document Number	0000002144
Book / Page	492 / 405
Instrument Date	Sep 4, 2026
Instrument	20262144
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 BEACH COVE RD, WARNE, NC 28909-8780

Mortgage

Document Number	0000002145,
Date	Sep 11, 2026
Instrument	20262145

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Property Address	446 BEACH COVE RD, WARNE, NC 28909-8780
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 BEACH COVE RD, WARNE, NC 28909-8780

Mortgage

Document Number	0000U16/56
Date	Mar 13, 2023
Book Page	U16/56
Instrument	2023000535

Lender

Name	NANTAHALA BANK & TRUST COMPANY
Type	Bank
Address	HAYESVILLE, NC 28904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Feb 28, 2026

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	$597.00 (-16.5%)	$160,400 (+27.1%) Land $56,500 Building $103,900	$160,400 (+27.1%) Land $56,500 Building $103,900
2025	$715.00 (+13.85%)	$126,200 (-) Land $40,600 Building $85,600	$126,200 (-) Land $40,600 Building $85,600
2023	$628.00	$126,200 Land $40,600 Building $85,600	$126,200 Land $40,600 Building $85,600

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 67% of the US · above 90% of North Carolina
Wildfire Likelihood	0.3% 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 14 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

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

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