101 Smitty Ln, Moyock, NC 27958 Property Records

Currituck County property record for 101 Smitty Ln, Moyock, NC 27958

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,060 sqft · built 2020
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,546 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8032-81-3811`

Property Details

APN / Parcel Number

Primary APN	`8032-81-3811`
Alternative APNs	`014L00000050000` `000155822` `8032-81`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,060 sqft Total Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	35,284 sqft (0.81 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000155822
Street Address	101 SMITTY LN
City	MOYOCK
State	NC
Zip	27958-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 5 MUDDY ACRES (Q/105)
Legal Subdivision	MUDDY ACRES
Legal Lot Number	5
Jurisdiction	CURRITUCK NC
Township / Civil Division	MOYOCK
Census Block Group	2
Census Block	2009
Census Tract	110202

Owner

Source: Currituck County records, as of April 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	101 SMITTY LN, MOYOCK, NC 27958-9715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Apr 3, 2020	Deed of Trust, Mortgage · Construction Mortgage OLD POINT NATIONAL BANK OF PHOEBUS
Sep 1, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Recording Date	Jun 1, 2026
Property Address	101 SMITTY LN, MOYOCK, NC 27958-9715
Document Number	0000403305
Book / Page	1859 / 25
Instrument Date	May 27, 2026
Instrument	2026403305
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 SMITTY LN, MOYOCK, NC 27958-9715
Investor	Possibly a Property Investor

Mortgage

Document Number	0000403305,
Date	Jun 1, 2026
Book Page	1859/25
Instrument	2026403305

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	101 SMITTY LN, MOYOCK, NC 27958-9715
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015280698
Date	Apr 3, 2020
Book Page	1528/698
Instrument	350314

Lender

Name	OLD POINT NATIONAL BANK OF PHOEBUS
Address	HAMPTON, VA 23663

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Sep 1, 2020
Property Address	101 SMITTY LN, MOYOCK, NC 27958-9715
Document Number	0015570318
Book / Page	001557 / 000318
Instrument Date	Sep 1, 2020
Instrument	354544
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 18, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	101 SMITTY LN MOYOCK NC 279589715, MOYOCK, NC 27958-9715

Mortgage

Document Number	15570321
Date	Sep 1, 2020
Book Page	001557/000321
Instrument	354545

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

Tax Assessment & Valuation

Source: Currituck County assessment roll, as of December 2, 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	$2,546.00 (-0.35%)	$362,100 (-) Land $81,500 Building $280,600
2024	$2,555.00 (+9.7%)	$362,100 (-) Land $81,500 Building $280,600
2023	$2,329.00 (+18.95%)	$362,100 (-) Land $81,500 Building $280,600	$362,100 (-) Land $81,500 Building $280,600
2022	$1,958.00	$362,100 Land $81,500 Building $280,600	$362,100 (-) Land $81,500 Building $280,600
2021			$362,100 Land $81,500 Building $280,600

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 189 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	189 in force
Nearby Flood Claims	14 (2015–2020)
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims Hurricane Matthew, Oct 2016 · 6 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	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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.

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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
Cox Communications Fiber	1,000 / 35

May also be available: Verizon.

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