109 Catherine Dr, Harbinger, NC 27941 Property Records

Currituck County property record for 109 Catherine Dr, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,404 sqft · built 2020
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,000 (Aug 2019)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Apr 2026 Sale Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9846-16-0154`

Property Details

APN / Parcel Number

Primary APN	`9846-16-0154`
Alternative APNs	`132J00000160002` `000151974` `9846-16`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,404 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000151974
Street Address	109 CATHERINE DR
City	HARBINGER
State	NC
Zip	27941-9783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOT 16, SECTION 2, ALBEMARLE ESTATES
Legal Subdivision	ALBEMARLE ESTATES
Legal Lot Number	16
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 April 28, 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	109 CATHERINE DR, HARBINGER, NC 27941-9783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 8, 2019	Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN BANK & TRUST CO
Aug 14, 2019	Warranty Deed, Transfer · Commercial Mortgage SOUTHERN BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Prior Sale	Apr 19, 2013 · Amount on Record
Deed Document Number	2019344886
Deed Book / Page	1494 / 408
Last Transfer Date	Mar 16, 2026
Transfer Doc	0000402362
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Apr 21, 2026
Property Address	109 CATHERINE DR, HARBINGER, NC 27941-9783
Document Number	0000402362
Book / Page	1853 / 37
Instrument Date	Mar 16, 2026
Instrument	2026402362
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 CATHERINE DR, HARBINGER, NC 27941-9783

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	109 CATHERINE DR, HARBINGER, NC 27941-9783
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015020120
Date	Oct 8, 2019
Book Page	1502/120
Instrument	346153

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank
Address	KITTY HAWK, NC 27949

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Aug 14, 2019
Property Address	109 CATHERINE DR, HARBINGER, NC 27941-9783
Document Number	0014940408
Book / Page	1494 / 408
Map Reference	CAB I SL 164-168
Instrument Date	Aug 14, 2019
Instrument	344886
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3713 HALLETT ST, 3713, KITTY HAWK, NC 27949-4268

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4305 WORTHINGTON LN, KITTY HAWK, NC 27949-9226

Mortgage

Document Number	0000344887
Date	Aug 14, 2019
Instrument	344887

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$2,526.00 (+0.36%)	$364,700 (-) Land $50,900 Building $313,800
2024	$2,517.00 (+9.96%)	$364,700 (-) Land $50,900 Building $313,800
2023	$2,289.00 (+19.47%)	$364,700 (-) Land $50,900 Building $313,800	$364,700 (-) Land $50,900 Building $313,800
2022	$1,916.00	$364,700 Land $50,900 Building $313,800	$364,700 (-) Land $50,900 Building $313,800
2021			$364,700 Land $50,900 Building $313,800

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 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	0.06% annual chance
Exposure	Direct burnable vegetation

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 24 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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