Clay County property record for 651 Beach Cove Rd, Warne, NC 28909
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 1 ba · 1,144 sqft · built 1960 |
| Lot Size | 1.48 acres (64,469 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,500 (Oct 2008) |
| Tax Bill | $590 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 543900131692 |
| Primary APN | 543900131692 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Building Area | 1,144 sqft Heated Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 64,469 sqft (1.48 acres) |
| Account Number | 618743000 |
|---|---|
| Street Address | 651 BEACH COVE RD |
| City | WARNE |
| State | NC |
| Zip | 28909-8781 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | SR 1126 BEACH COVE RD |
| Legal Subdivision | SURVEY FOR MARY RUTH INGRAM HEIRS |
| Jurisdiction | CLAY NC |
| Township / Civil Division | BRASSTOWN |
| Census Block Group | 1 |
| Census Block | 1065 |
| Census Tract | 950202 |
651 Beach Cove Rd is owned and occupied by two individuals who acquired it in August 2016.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 651 BEACH COVE RD, WARNE, NC 28909-8781 |
| 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.
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Sep 18, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2008 · Amount on File |
| Deed Sale | Oct 3, 2008 · Amount on File |
| Deed Document Number | 20083210 |
| Deed Book / Page | 335 / 100 |
| Last Transfer Date | Aug 30, 2016 |
| Transfer Doc | 000404/160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY NC |
| Property Address | 651 BEACH COVE RD, WARNE, NC 28909-8781 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000W15/18 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | W15/18 |
| Instrument | 2021000881 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | MARYVILLE, TN 37804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 277 Months |
| Due | Apr 1, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY NC |
| Recording Date | Sep 18, 2020 |
| Property Address | 651 BEACH COVE RD, WARNE, NC 28909-8781 |
| Document Number | 0000444/24 |
| Book / Page | 444 / 24 |
| Map Reference | CAB 5 SL 453 |
| Instrument Date | Sep 4, 2020 |
| Instrument | 2020002259 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4613 HARVEY AVE, TAMPA, FL 33603-2838 |
| Name | Verified Name |
|---|---|
| Address | 651 BEACH COVE RD, WARNE, NC 28909-8781 |
The 2026 property tax bill for 651 Beach Cove Rd was $590.
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 | $590.00 | $64,000 (+43.5%) Land $37,300 Building $26,700 | $64,000 (+43.5%) Land $37,300 Building $26,700 |
| 2025 | $44,600 Land $28,100 Building $16,500 | $44,600 Land $28,100 Building $16,500 | |
| 2023 | $44,600 Land $28,100 Building $16,500 | $44,600 Land $28,100 Building $16,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 651 Beach Cove Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 4 (2013–2021) |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
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 risk around 651 Beach Cove Rd is moderate, ranking above 67% of the US, with a 0.3% annual chance of 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.
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.
4G LTE (outdoors only), no 5G reported
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