105 Waterside Dr, Harbinger, NC 27941 Property Records

Currituck County property record for 105 Waterside Dr, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,325 sqft · built 1997
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Oct 2026)
Tax Bill	$2,936 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`9836-86-2220`

Property Details

APN / Parcel Number

Primary APN	`9836-86-2220`
Alternative APNs	`125B00000100000` `000157751` `9836-86`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,325 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000157751
Street Address	105 WATERSIDE DR
City	HARBINGER
State	NC
Zip	27941-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOT 10 CYPRESS POINT II
Legal Subdivision	CYPRESS POINT II
Legal Lot Number	10
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 October 22, 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	105 WATERSIDE DR, HARBINGER, NC 27941-9728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 4, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jul 8, 2019	Warranty Deed, Transfer · Conventional Mortgage TOWNE BANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Mar 4, 2022 · Amount on Record
Deed Document Number	2026405961
Deed Book / Page	1875 / 858
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Oct 1, 2026
Property Address	105 WATERSIDE DR, HARBINGER, NC 27941-9728
Document Number	0000405961
Book / Page	1875 / 858
Instrument Date	Oct 1, 2026
Instrument	2026405961
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 WATERSIDE DR, HARBINGER, NC 27941-9728

Mortgage

Document Number	0000405962,
Date	Oct 1, 2026
Instrument	2026405962

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	105 WATERSIDE DR, HARBINGER, NC 27941-9728
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018340217
Date	Dec 5, 2025
Book Page	1834/217
Instrument	399377

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 16, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Mar 4, 2022
Property Address	105 WATERSIDE DR, HARBINGER, NC 27941-9728
Document Number	0016830367
Book / Page	1683 / 367
Map Reference	CAB D SL 108-110
Instrument Date	Mar 4, 2022
Instrument	373928
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 SANDY POINT DR, BUMPASS, VA 23024-4825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1785, CRAIGSVILLE, WV 26205-1785

Mortgage

Document Number	0000373929
Date	Mar 4, 2022
Instrument	373929

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Jul 8, 2019
Property Address	105 WATERSIDE DR, HARBINGER, NC 27941-9728
Document Number	0014890813
Book / Page	1489 / 813
Map Reference	CAB D SL 108,109&110
Instrument Date	Jul 8, 2019
Instrument	344079
Transaction Type	Transfer
Record Updated	Feb 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,376.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 WATERSIDE DR, 105, HARBINGER, NC 27941-9728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SANDY POINT DR, BUMPASS, VA 23024-4825

Mortgage

Document Number	344080
Date	Jul 8, 2019
Instrument	344080

Lender

Name	TOWNE BANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$2,936.00 (+0.31%)	$429,200 (-) Land $96,700 Building $332,500
2024	$2,927.00 (+10.04%)	$429,200 (-) Land $96,700 Building $332,500
2023	$2,660.00 (+19.77%)	$429,200 (-) Land $96,700 Building $332,500	$429,200 (-) Land $96,700 Building $332,500
2022	$2,221.00	$429,200 Land $96,700 Building $332,500	$429,200 (-) Land $96,700 Building $332,500
2021			$429,200 Land $96,700 Building $332,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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