101 Schooner Ridge Dr E, Duck (Kitty Hawk), NC 27949 Property Records

Dare County property record for 101 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,322 sqft · built 1985
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individuals on Record
Last Sale	$480,000 (Feb 2021)
Tax Bill	$3,331 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`985912852277`

Property Details

APN / Parcel Number

Primary APN	`985912852277`
Alternative APN	`026469002`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,322 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	985912852277
Street Address	101 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949-4565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 2 BLK: SEC: 1 PL: B SL: 381
Legal Subdivision	SCHOONER RIDGE
Legal Lot Number	2
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

Owner

Source: Dare County assessment roll, as of October 16, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	1217 S FAIRWATER DR, NORFOLK, VA 23508-1116
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage SPROUT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Oct 5, 2012 · Amount on Record
Deed Document Number	2021700093788
Deed Book / Page	2474 / 258
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	101 SCHOONER RIDGE DR E, DUCK, NC 27949-4565
Transaction Type	Mortgage
Record Updated	Apr 28, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 S FAIRWATER DR, NORFOLK, VA 23508-1116

Mortgage

Document Number	002611/558
Date	Apr 18, 2022
Book Page	2611/558
Instrument	700116712

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	VIRGINIA BEACH, VA 23456

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Feb 26, 2021
Property Address	101 SCHOONER RIDGE DR E, DUCK, NC 27949-4565
Document Number	2474/258
Book / Page	2474 / 258
Map Reference	CAB B SL 380&281
Instrument Date	Feb 25, 2021
Instrument	700093788
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13110 PLOTNER FARM RD, 13110, HERNDON, VA 20171-4319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 S FAIRWATER DR, NORFOLK, VA 23508-1116

Mortgage

Document Number	700093789
Date	Feb 26, 2021
Instrument	700093789

Lender

Name	SPROUT MORTGAGE LLC
Type	Non-Lending Institution

Agreement

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

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 16, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Duck Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,331.00 (+1.71%)	$751,600 (+45.01%) Land $422,000 Building $329,600
2023	$3,275.00	$518,305 Land $173,000 Building $345,305
2020			$751,600 Land $422,000 Building $329,600

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 11, 2023 · 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 1,132 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,493 units insured incl. 361 condo units
Nearby Flood Claims	732 (1978–2024)
Claims Outside the SFHA	327 of 732
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Matthew, Oct 2016 · 128 claims Hurricane Irene, Aug 2011 · 119 claims Hurricane Isabel, Sep 2003 · 85 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	Not rated no burnable land within ember reach

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	SOUTHERN OUTER BANKS WTR SYST serves 8,209 people · EPA ID NC6027001
Water Source	Groundwater
Last State Inspection	Aug 2025
Also Mapped Here	DARE COUNTY WATER SYSTEM
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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