102 Rose Ln, Point Harbor, NC 27964 Property Records

Currituck County property record for 102 Rose Ln, Point Harbor, NC 27964

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,600 sqft · built 1973
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,500 (Oct 2016)
Tax Bill	$1,479 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9846-47-5931`

Property Details

APN / Parcel Number

Primary APN	`9846-47-5931`
Alternative APNs	`132A011001A0000` `000142199` `000170435` `9846-47`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,600 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	10 ft deep x 20 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000170435
Street Address	102 ROSE LN
City	POINT HARBOR
State	NC
Zip	27964-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOTS 1-5 BLK 11 POINT HARBOR BEACH
Legal Subdivision	POINT HARBOR BEACH
Legal Block	11
Legal Lot Number	1A
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1007
Census Tract	110403

Owner

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

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	PO BOX 82, POINT HARBOR, NC 27964-0082
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · Commercial Mortgage UNLOCK HOME EQUITY SOLUTIONS INC
Apr 30, 2024	Warranty Deed, Transfer
May 9, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 25, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jul 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2016 · Amount on Record
Deed Sale	Oct 4, 2016 · Amount on Record
Prior Sale	Oct 26, 2011 · Amount on Record
Deed Book / Page	1381 / 583
Last Transfer Date	Mar 20, 2024
Transfer Doc	0017680930
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 ROSE LN, POINT HARBOR, NC 27964-1402
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018480878
Date	Mar 26, 2026
Book Page	1848/878
Instrument	401758

Lender

Name	UNLOCK HOME EQUITY SOLUTIONS INC
Type	Non-Lending Institution
Address	TEMPE, AZ 85288

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Apr 30, 2024
Property Address	102 ROSE LN, POINT HARBOR, NC 27964-1402
Document Number	0017680930
Book / Page	1768 / 930
Map Reference	MB 1 PG 83
Instrument Date	Mar 20, 2024
Instrument	388788
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 82, POINT HARBOR, NC 27964-0082

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 ROSE LN, POINT HARBOR, NC 27964-1402
Document Number	0014840542
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	Jun 14, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 82 POINT HARBOR NC 279640082, POINT HARBOR, NC 27964-0082

Mortgage

Document Number	0014840542
Date	May 29, 2019
Book Page	001484/000542
Instrument	343220

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 28, 2059

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 ROSE LN, POINT HARBOR, NC 27964-1402
Document Number	0014360366
Instrument Date	Jan 25, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 ROSE LN POINT HARBOR NC 27964, POINT HARBOR, NC 27964

Mortgage

Document Number	0014360366
Date	Mar 5, 2018
Book Page	001436/000366
Instrument	334506

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 ROSE LN, POINT HARBOR, NC 27964-1402
Document Number	0014130451
Book / Page	001413 / 000451
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014130451
Date	Jul 19, 2017
Book Page	001413/000451
Instrument	330272

Lender

Name	MISCELLANEOUS GOVT AGCY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,479.00 (+4.6%)	$178,600 (-) Land $51,800 Building $126,800
2024	$1,414.00 (+9.36%)	$178,600 (-) Land $51,800 Building $126,800
2023	$1,293.00 (+17.76%)	$178,600 (-) Land $51,800 Building $126,800	$178,600 (-) Land $51,800 Building $126,800
2022	$1,098.00	$178,600 Land $51,800 Building $126,800	$178,600 (-) Land $51,800 Building $126,800
2021			$178,600 Land $51,800 Building $126,800

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 27 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	3 (2011–2018)
Most Recent Claim	Oct 2018 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	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 47 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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