103 Schooner Ridge Dr E, Duck (Kitty Hawk), NC 27949 Property Records

Dare County property record for 103 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,490 sqft · built 1988
Lot Size	0.356 acres (15,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,594 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Feb 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`985912853240`

Property Details

APN / Parcel Number

Primary APN	`985912853240`
Alternative APN	`026469003`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,490 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,500 sqft (0.356 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	985912853240
Street Address	103 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 3 BLK: SEC: 1 PL: B SL: 381
Legal Subdivision	SCHOONER RIDGE
Legal Lot Number	3
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

Owner

103 Schooner Ridge Dr E, a single family home, is owned by two individuals.

Source: Dare County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 8248, KITTY HAWK, NC 27949-8248
Owner Type	Individual
Vesting	Et Ux (and Wife)

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

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit TBVAT LLC
Feb 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	103 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Nov 8, 2021
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SCHOONER RIDGE DR E, DUCK, NC 27949

Mortgage

Document Number	2558/898
Date	Oct 29, 2021
Book Page	2558/898
Instrument	700107958

Lender

Name	TBVAT LLC
Type	Non-Lending Institution
Address	SUFFOLK, VA 23435

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Oct 13, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	103 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2352/748
Date	Feb 4, 2020
Book Page	2352/748
Instrument	700073920

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 103 Schooner Ridge Dr E was $4,594, down 0.2% from the year before.

Source: Dare County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Duck Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,594.00 (-0.15%)	$988,300 (-) Land $425,500 Building $562,800	$988,300 Land $425,500 Building $562,800
2025	$4,601.00	$988,300 Land $425,500 Building $562,800
2023	$3,964.00	$638,951 Land $174,400 Building $464,551
2020			$988,300 Land $425,500 Building $562,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Schooner Ridge Dr E in Zone X, an area of minimal flood risk, though there have been 732 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · 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 File 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	Hurricane Matthew, Oct 2016 · 128 claims Hurricane Irene, Aug 2011 · 119 claims Hurricane Isabel, Sep 2003 · 85 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

The area around 103 Schooner Ridge Dr E has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	SOUTHERN OUTER BANKS WTR SYST serves 8,209 people · EPA ID NC6027001
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

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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