109 Cedar Ct, Duck (Kitty Hawk), NC 27949 Property Records

Dare County property record for 109 Cedar Ct, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 2,668 sqft · built 2000
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,000 (Apr 2018)
Tax Bill	$4,137 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`995006476926`

Property Details

APN / Parcel Number

Primary APN	`995006476926`
Alternative APN	`009313001`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,668 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
View / Lot	Ocean
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	995006476926
Street Address	109 CEDAR CT
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 92 BLK: SEC: 3 PL: 3 SL: 100
Legal Subdivision	SOUND-SEA VILLAGE
Legal Lot Number	92
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

Owner

Source: Dare County records, as of October 20, 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 N WILL SCARLET LN, WILLIAMSBURG, VA 23185-5046
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Apr 27, 2018	Warranty Deed, Transfer · ARM TIDEWATER HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	2018700051666
Deed Book / Page	2233 / 639
Prior Transfer Date	May 2, 2016
Prior Transfer Doc	0700025288
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	109 CEDAR CT, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002416/725
Date	Sep 25, 2020
Book Page	2416/725
Instrument	700084553

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Apr 27, 2018
Property Address	109 CEDAR CT, DUCK, NC 27949
Document Number	002233/639
Book / Page	2233 / 639
Instrument Date	Apr 24, 2018
Instrument	000700051666
Transaction Type	Transfer
Record Updated	Sep 15, 2023

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	105 WILSON SCARLETT LN, WILLIAMSBURG, VA 23185

Mortgage

Document Number	0000002233/0000000641
Date	Apr 27, 2018
Book Page	0000002233/0000000641
Instrument	000700051667

Lender

Name	TIDEWATER HOME FUNDING

Agreement

Type	ARM
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2023
Index	1-Year CMT

Tax Assessment & Valuation

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	$4,137.00 (-0.24%)	$771,100 (-) Land $240,000 Building $531,100	$771,100 (+57.84%) Land $240,000 Building $531,100
2025	$4,147.00 (+13.18%)	$771,100 (+57.84%) Land $240,000 Building $531,100
2023	$3,664.00 (-0.27%)	$488,520 (-) Land $150,000 Building $338,520
2022	$3,674.00	$488,520 Land $150,000 Building $338,520	$488,520 (-36.65%) Land $150,000 Building $338,520
2020			$771,100 Land $240,000 Building $531,100

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 May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% 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	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 198 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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