110 Spyglass Rd, Duck (Kitty Hawk), NC 27949 Property Records

Dare County property record for 110 Spyglass Rd, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,293 sqft · built 1999
Lot Size	0.402 acres (17,500 sqft)
Owner	Individual Name on Record
Tax Bill	$8,050 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`995015636261`

Property Details

APN / Parcel Number

Primary APN	`995015636261`
Alternative APN	`009767000`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,293 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,500 sqft (0.402 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	995015636261
Street Address	110 SPYGLASS RD
City	KITTY HAWK
State	NC
Zip	27949-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 30 BLK: SEC: PL: 9 SL: 47
Legal Subdivision	SEA RIDGE
Legal Lot Number	30
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	Individual Name on Record
Mailing Address	110 SPYGLASS RD, KITTY HAWK, NC 27949-4444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Dec 27, 2019	Deed of Trust, Mortgage · ARM FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 4, 2012
Transfer Doc	1901/360
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Recording Date	Aug 31, 2026
Property Address	110 SPYGLASS RD, KITTY HAWK, NC 27949-4444
Document Number	0700162970
Book / Page	2867 / 933
Instrument Date	Aug 31, 2026
Instrument	2026700162970
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SPYGLASS RD, KITTY HAWK, NC 27949-4444

Mortgage

Document Number	0700162970,
Date	Aug 31, 2026
Book Page	2867/933
Instrument	2026700162970

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 31, 2036

Interest

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

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	110 SPYGLASS RD, DUCK, NC 27949-4444
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SPYGLASS RD, DUCK, NC 27949-4444

Mortgage

Document Number	002706/275
Date	Nov 6, 2023
Book Page	2706/275
Instrument	700134091

Lender

Name	FIRST BANK
Type	Bank
Address	KILL DEVIL HILLS, NC 27948

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	110 SPYGLASS RD, DUCK, NC 27949-4444
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2345/162
Date	Dec 27, 2019
Book Page	2345/162
Instrument	700072543

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Jan 1, 2030
Index	1-Year LIBOR

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	$8,050.00	$1,539,300 (-) Land $411,900 Building $1,127,400	$1,539,300 (-) Land $411,900 Building $1,127,400
2025	$8,050.00 (+9.76%)	$1,539,300 (+57.42%) Land $411,900 Building $1,127,400
2023	$7,334.00	$977,800 Land $274,000 Building $703,800
2020			$1,539,300 Land $411,900 Building $1,127,400

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
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	Not rated no burnable land within ember reach

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 217 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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