709 Beach Cove Rd, Warne, NC 28909 Property Records

Clay County property record for 709 Beach Cove Rd, Warne, NC 28909

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,117 sqft · built 1906
Lot Size	2.96 acres (128,938 sqft)
Owner	2 Individual Names on File
Last Sale	$128,000 (Oct 2017)
Tax Bill	$934 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`543900144222`

Property Details

APN / Parcel Number

Primary APN	`543900144222`
Alternative APN	`615916000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Building Area	1,117 sqft Heated Area

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Lot Area	128,938 sqft (2.96 acres)

Location & Zoning

Account Number	615916000
Street Address	709 BEACH COVE RD
City	WARNE
State	NC
Zip	28909-8784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1 GOSCHE PROP
Legal Subdivision	BOUNDARY SURVEY GOSCHE PROPERTY
Legal Tract	1
Jurisdiction	CLAY NC
Township / Civil Division	BRASSTOWN
Census Block Group	1
Census Block	1065
Census Tract	950202

Owner

709 Beach Cove Rd is owned and occupied by two individuals who bought it in October 2017.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	709 BEACH COVE RD, WARNE, NC 28909-8784
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
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAY BANK TRUST COMPANY
Oct 20, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2017 · Amount on File
Deed Sale	Oct 20, 2017 · Amount on File
Prior Sale	Sep 27, 2010 · Amount on File
Deed Document Number	20172243
Deed Book / Page	414 / 186
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY NC
Recording Date	Jul 14, 2026
Property Address	709 BEACH COVE RD, WARNE, NC 28909-8784
Document Number	0000001551
Book / Page	17 / 83
Instrument Date	Jul 3, 2026
Instrument	20261551
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 BEACH COVE RD, WARNE, NC 28909-8784

Mortgage

Document Number	0000001551,
Date	Jul 14, 2026
Book Page	17/83
Instrument	20261551

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.48%
Max Rate	-1%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY NC
Recording Date	Oct 20, 2017
Property Address	709 BEACH COVE RD, WARNE, NC 28909-8784
Document Number	414/0186
Book / Page	414 / 0186
Map Reference	CAB 4 SL 557
Instrument Date	Oct 17, 2017
Instrument	2017002243
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1664 OLD QUAKER RD, 1664, GALAX, VA 24333-5526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	724 SAM CALLOWAY RD, FORT WORTH, TX 76114-3246

Mortgage

Document Number	2017002244
Date	Oct 20, 2017
Instrument	2017002244

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 709 Beach Cove Rd was $934, up 13.6% 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	$934.00 (+13.63%)	$265,400 (+77.29%) Land $52,100 Building $213,300	$265,400 (+77.29%) Land $52,100 Building $213,300
2025	$822.00	$149,700 Land $37,700 Building $112,000	$149,700 Land $37,700 Building $112,000
2023		$107,500 Land $37,700 Building $69,800	$107,500 Land $37,700 Building $69,800

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

Flood

FEMA maps place 709 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

Wildfire risk around 709 Beach Cove Rd is moderate, ranking above 66% 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 66% of the US · above 89% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

May also be available: Blue Ridge Mountain EMC, Verizon.

Cell Coverage

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

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