Dare County property record for 103 Dune Rd, Duck, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,963 sqft · built 2020 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Nov 2019) |
| Tax Bill | $4,937 (2025) |
| Deeds & Mortgages | Mar 2020 Construction Loan May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 985911774050 |
| Primary APN | 985911774050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,963 sqft Heated Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Contemporary |
| Exterior Material | Other |
| Lot Area | 15,000 sqft (0.344 acres) |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 985911774050 |
|---|---|
| Street Address | 103 DUNE RD |
| City | DUCK |
| State | NC |
| Zip | 27949-4544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 12R BLK: E SEC: PL: K SL: 76 |
| Legal Subdivision | DUCK RIDGE SHORES |
| Legal Block | E |
| Legal Lot Number | 12 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 970101 |
Source: Dare County records · APN 985911774050
Assessment roll updated October 16, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 103 DUNE RD, KITTY HAWK, NC 27949-4544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 30, 2020 | Deed of Trust, Mortgage · Construction Mortgage US BANK NA |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Nov 20, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 20, 2019 · Amount on Record |
| Deed Sale | Nov 20, 2019 · Amount on Record |
| Deed Document Number | 2019700071180 |
| Deed Book / Page | 2336 / 946 |
| Last Transfer Date | Jul 09, 2025 |
| Transfer Doc | 002800/277 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 103 DUNE RD, DUCK, NC 27949-4544 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002365/50 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 2365/50 |
| Instrument | 700076013 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 103 DUNE RD, DUCK, NC 27949-4544 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002509/391 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 2509/391 |
| Instrument | 700099594 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Nov 20, 2019 |
| Property Address | 103 DUNE RD, DUCK, NC 27949-4544 |
| Document Number | 002336/946 |
| Book / Page | 2336 / 946 |
| Instrument Date | Nov 18, 2019 |
| Instrument | 700071180 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8065 DONOVAN RD, DEXTER, MI 48130-9695 |
Source: Dare County records · Assessment roll updated October 16, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Duck Town |
| Unified School District | Dare County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,937.00 (-1.28%) | $1,114,000 (+38.21%) Land $378,000 Building $736,000 | |
| 2023 | $5,001.00 | $806,000 Land $216,000 Building $590,000 | |
| 2020 | $1,114,000 Land $378,000 Building $736,000 |
Source: FEMA National Flood Hazard Layer as of May 11, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Ripple Fiber.
Based on FCC filings for 87 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTHERN OUTER BANKS WTR SYST serves 8,209 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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