101 Rose Owens Dr, Harbinger, NC 27941 Property Records

Currituck County property record for 101 Rose Owens Dr, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,734 sqft · built 2020
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$473,700 (Nov 2020)
Tax Bill	$3,988 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9836-96-4369`

Property Details

APN / Parcel Number

Primary APN	`9836-96-4369`
Alternative APNs	`125C00000010000` `000156920` `9836-96`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,734 sqft Living Area

Exterior

Year Built	Built 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	47,480 sqft (1.09 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000156920
Street Address	101 ROSE OWENS DR
City	HARBINGER
State	NC
Zip	27941-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 OWENS BEACH ESTATES
Legal Subdivision	OWENS BEACH ESTATES
Legal Lot Number	1
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1036
Census Tract	110404

Owner

Source: Currituck County records, as of November 27, 2025

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	101 ROSE OWENS DR, HARBINGER, NC 27941-9787
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Jul 21, 2020	Deed of Trust, Mortgage · Construction Mortgage TOWNEBANK
Nov 18, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on Record
Deed Sale	Nov 18, 2020 · Amount on Record
Deed Document Number	0000157860
Deed Book / Page	1578 / 60
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	101 ROSE OWENS DR, HARBINGER, NC 27941-9787
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016650762
Date	Nov 29, 2021
Book Page	1665/762
Instrument	371105

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	101 ROSE OWENS DR, HARBINGER, NC 27941-9787
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017100789
Date	Sep 20, 2022
Book Page	1710/789
Instrument	378790

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jul 25, 2032

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	101 ROSE OWENS DR, HARBINGER, NC 27941-9787
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015470732
Date	Jul 21, 2020
Book Page	1547/732
Instrument	353115

Lender

Name	TOWNEBANK
Type	Bank
Address	CHESAPEAKE, VA 23320

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Nov 18, 2020
Property Address	101 ROSE OWENS DR, HARBINGER, NC 27941-9787
Document Number	0015780060
Book / Page	001578 / 000060
Instrument Date	Nov 17, 2020
Instrument	357565
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,737.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 ROSE OWENS DR HARBINGER NC 27941, HARBINGER, NC 27941

Mortgage

Document Number	15780062
Date	Nov 18, 2020
Book Page	001578/000062
Instrument	357566

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

Tax Assessment & Valuation

Source: Currituck County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Currituck County
Unified School District	Currituck County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,988.00 (+0.23%)	$600,500 (-) Land $67,900 Building $532,600
2024	$3,979.00 (+10.25%)	$600,500 (-) Land $67,900 Building $532,600
2023	$3,609.00 (+20.26%)	$600,500 (-) Land $67,900 Building $532,600	$600,500 (-) Land $67,900 Building $532,600
2022	$3,001.00	$600,500 Land $67,900 Building $532,600	$600,500 (-) Land $67,900 Building $532,600
2021			$600,500 Land $67,900 Building $532,600

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 June 18, 2020 · 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 Record median of 135 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	135 in force
Nearby Flood Claims	11 (2011–2019)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2019 · Hurricane Dorian
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims

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 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CURRITUCK COUNTY WATER SYSTEM serves 24,130 people · EPA ID NC0427010
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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