105 Ridge Rd, Chocowinity, NC 27817 Property Records

Beaufort County property record for 105 Ridge Rd, Chocowinity, NC 27817

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$580,000 (Jun 2026)
Tax Bill	$238 (2026)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5684-03-6224`

Property Details

APN / Parcel Number

Primary APN	`5684-03-6224`
Alternative APN	`13663`

Interior

Bedrooms	3 Beds
Building Area	3,320 sqft Living Area
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	105 RIDGE RD
City	CHOCOWINITY
State	NC
Zip	27817-9169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #18 CYPRESS RIDGE
Legal Subdivision	CYPRESS RIDGE
Legal Lot Number	18
Jurisdiction	BEAUFORT NC
Township / Civil Division	CHOCOWINITY
Census Block Group	3
Census Block	3004
Census Tract	930900

Owner

Source: Beaufort County records, as of October 16, 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	3112 MEGWOOD CT, APEX, NC 27539-3708
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Warranty Deed, Transfer · Construction Mortgage ROCKET MORTGAGE LLC
Jan 15, 2026	Deed of Trust, Mortgage VALIANT BUILDER FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Nov 17, 2025 · Amount on Record
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT NC
Recording Date	Jun 4, 2026
Property Address	105 RIDGE RD, CHOCOWINITY, NC 27817-9169
Instrument Date	Jun 4, 2026
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 MEGWOOD CT, APEX, NC 27539-3708

Mortgage

Date	Jun 4, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAUFORT NC
Property Address	105 RIDGE RD, CHOCOWINITY, NC 27817-9169
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 E ARLINGTON BLVD, GREENVILLE, NC 27858-7851

Mortgage

Document Number	0002223/69
Date	Jan 15, 2026
Book Page	2223/69
Instrument	2026000223

Lender

Name	VALIANT BUILDER FINANCIAL LLC
Address	SMITHFIELD, NC 27577

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Beaufort County
Unified School District	Beaufort County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$238.00
2025	$238.00 (-44.65%)	$44,600 (-25.67%) Land $44,600	$44,600 (-25.67%) Land $44,600
2023	$430.00	$60,000 Land $60,000
2018			$60,000 Land $60,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	35 (1996–2018)
Claims Outside the SFHA	3 of 35
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 4 claims Hurricane Irene, Aug 2011 · 24 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	CHOCOWINITY WATER SYSTEM serves 2,565 people · EPA ID NC0407025
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 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	2 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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