109 Water St, Point Harbor, NC 27964 Property Records

Currituck County property record for 109 Water St, Point Harbor, NC 27964

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1970
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Dec 2023)
Tax Bill	$2,003 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9846-59-3000`

Property Details

APN / Parcel Number

Primary APN	`9846-59-3000`
Alternative APNs	`132A001007A0000` `000143270` `000169371` `9846-59`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
Intercom	Intercom

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Deck Area	749 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000169371
Street Address	109 WATER ST
City	POINT HARBOR
State	NC
Zip	27964
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 & 8 BLK 1 POINT HARBOR BEACH
Legal Subdivision	POINT HARBOR BEACH
Legal Block	1
Legal Lot Number	7A 8
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1007
Census Tract	110403

Owner

Source: Currituck County records, as of November 27, 2025

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
Co-owner	Co-owner on Record
Mailing Address	301 WRIGHT ST, GORDONSVILLE, VA 22942-9600
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 8, 2023	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Deed Document Number	0001754780
Deed Book / Page	1754 / 780
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	109 WATER ST, POINT HARBOR, NC 27964
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 WATER ST, POINT HARBOR, NC 27964

Mortgage

Document Number	0018420680
Date	Feb 13, 2026
Book Page	1842/680
Instrument	400780

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Dec 8, 2023
Property Address	109 WATER ST, POINT HARBOR, NC 27964
Document Number	0017540780
Book / Page	1754 / 780
Map Reference	MB 1 PG 83
Instrument Date	Oct 25, 2023
Instrument	386463
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 LANE DR, ELIZABETH CITY, NC 27909-7281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 WATER ST, POINT HARBOR, NC 27964

Mortgage

Document Number	0000386464
Date	Dec 8, 2023
Instrument	386464

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	8%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2027
Change Frequency	3 Years
Min Rate At Change	8%
Max Rate At Change	10%
Index	3-Year CMT
Max Rate	22%

Tax Assessment & Valuation

Source: Currituck County assessment roll, as of January 1, 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	$2,003.00 (+10.24%)	$280,400 (-) Land $126,200 Building $154,200
2023	$1,817.00	$280,400 Land $126,200 Building $154,200	$280,400 (-) Land $126,200 Building $154,200
2021			$280,400 Land $126,200 Building $154,200

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
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 27 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	3 (2011–2018)
Most Recent Claim	Oct 2018 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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