102 Waterside Dr, Harbinger, NC 27941 Property Records

Currituck County property record for 102 Waterside Dr, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,565 sqft · built 2024
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Oct 2023)
Tax Bill	$5,502 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2024 Construction Loan + 3 more
Flood Zone	Zone AE (high risk)
APN	`9836-76-8079`

Property Details

APN / Parcel Number

Primary APN	`9836-76-8079`
Alternative APNs	`125B00000140000` `000150547` `000150073` `9836-76`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,565 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Intercom	Intercom

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Pile
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Lot Depth	302 ft Depth
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000150073
Street Address	102 WATERSIDE DR
City	HARBINGER
State	NC
Zip	27941-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOT 14 CYPRESS POINT II
Legal Subdivision	CYPRESS POINT II
Legal Lot Number	14
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 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	6615 CARATOKE HWY, GRANDY, NC 27939-9622
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Nov 27, 2024	Deed of Trust, Mortgage · Construction Mortgage TOWNEBANK MORTGAGE
Oct 13, 2023	Warranty Deed, Transfer
Nov 16, 2020	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 8, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	2023385554
Deed Book / Page	1749 / 482
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727

Mortgage

Document Number	0018240510
Date	Sep 19, 2025
Book Page	1824/510
Instrument	397862

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	NORFOLK, VA 23510

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017920001
Date	Nov 27, 2024
Book Page	1792/1
Instrument	392473

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	NORFOLK, VA 23510

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	376 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2033
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	9.87%
Index	12-Month MTA
Margin	3
Max Rate	12.8%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Oct 13, 2023
Property Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727
Document Number	0017490482
Book / Page	1749 / 482
Map Reference	CAB D SL 108-110
Instrument Date	Oct 4, 2023
Instrument	385554
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 24, HARBINGER, NC 27941-0024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6615 CARATOKE HWY, GRANDY, NC 27939-9622

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Nov 16, 2020
Property Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727
Document Number	0015770488
Book / Page	1577 / 488
Map Reference	CAB D SL 108-110
Instrument Date	Nov 10, 2020
Instrument	357483
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 WATERSIDE DR, 102, HARBINGER, NC 27941-9727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727

Mortgage

Document Number	0000357484
Date	Nov 16, 2020
Instrument	357484

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	102 WATERSIDE DR, HARBINGER, NC 27941-9727
Document Number	0015390579
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 WATERSIDE DR HARBINGER NC 279419727, HARBINGER, NC 27941-9727

Mortgage

Document Number	0015390579
Date	Jun 11, 2020
Book Page	001539/000579
Instrument	351915

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 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	$5,502.00 (+254.74%)	$844,800 (+304.4%) Land $184,400 Building $660,400
2024	$1,551.00 (-9.19%)	$208,900 (-0.67%) Land $184,400 Building $24,500
2023	$1,708.00 (-42.45%)	$210,300 (-) Land $184,400 Building $25,900	$210,300 (-) Land $184,400 Building $25,900
2022	$2,968.00	$210,300 Land $184,400 Building $25,900	$210,300 (-75.11%) Land $184,400 Building $25,900
2021			$844,800 Land $184,400 Building $660,400

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
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 50% of the US · above 71% of North Carolina
Wildfire Likelihood	0.07% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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