103 John Lloyd Rd, Point Harbor, NC 27964 Property Records

Currituck County property record for 103 John Lloyd Rd, Point Harbor, NC 27964

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 960 sqft · built 1997
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$131,500 (Oct 2018)
Tax Bill	$864 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9846-48-4996`

Property Details

APN / Parcel Number

Primary APN	`9846-48-4996`
Alternative APNs	`132G00000140000` `000149074` `9846-48`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	278 ft deep x 132 ft wide
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000149074
Street Address	103 JOHN LLOYD RD
City	POINT HARBOR
State	NC
Zip	27964-9720
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	SFM
Legal Description	LOT 14 SUNRISE LANDING
Legal Subdivision	SUNRISE LANDING
Legal Lot Number	14
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 January 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	103 JOHN LLOYD RD, POINT HARBOR, NC 27964-9720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 1, 2018	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Jun 6, 2011 · Amount on Record
Deed Document Number	2018338734
Deed Book / Page	1459 / 644
Prior Transfer Date	Mar 15, 2005
Prior Transfer Doc	0008520013
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	103 JOHN LLOYD RD, POINT HARBOR, NC 27964-9720
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016670423
Date	Dec 6, 2021
Book Page	1667/423
Instrument	371354

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Oct 1, 2018
Property Address	103 JOHN LLOYD RD, POINT HARBOR, NC 27964-9720
Document Number	0014590644
Book / Page	1459 / 644
Map Reference	CAB E SL23
Instrument Date	Aug 21, 2018
Instrument	338734
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3032 N RIVERSIDE DR, 3032, LANEXA, VA 23089-9403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 JOHN LLOYD RD, POINT HARBOR, NC 27964-9720

Mortgage

Document Number	0000338736
Date	Oct 1, 2018
Instrument	338736

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$864.00 (+1.05%)	$94,100 (-) Land $46,500 Building $47,600
2024	$855.00 (+8.5%)	$94,100 (-) Land $46,500 Building $47,600
2023	$788.00 (+15.37%)	$94,100 (-) Land $46,500 Building $47,600	$94,100 (-) Land $46,500 Building $47,600
2022	$683.00	$94,100 Land $46,500 Building $47,600	$94,100 (-) Land $46,500 Building $47,600
2021			$94,100 Land $46,500 Building $47,600

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 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 67% of the US · above 43% 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 68 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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