116 Catherine Dr, Harbinger, NC 27941 Property Records

Currituck County property record for 116 Catherine Dr, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,508 sqft · built 2009
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Aug 2026)
Tax Bill	$2,588 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`9846-05-5436`

Property Details

APN / Parcel Number

Primary APN	`9846-05-5436`
Alternative APNs	`132J00000050002` `000136227` `9846-05`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,508 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000136227
Street Address	116 CATHERINE DR
City	HARBINGER
State	NC
Zip	27941-9782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOT 5 ALBEMARLE ESTATES SECT 2
Legal Subdivision	ALBEMARLE ESTATES
Legal Lot Number	5
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 August 13, 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	116 CATHERINE DR, HARBINGER, NC 27941-9782
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE COMPANY
Apr 4, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 18, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Nov 10, 2014 · Amount on Record
Deed Document Number	2026404850
Deed Book / Page	1868 / 686
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Aug 5, 2026
Property Address	116 CATHERINE DR, HARBINGER, NC 27941-9782
Document Number	0000404850
Book / Page	1868 / 686
Instrument Date	Aug 3, 2026
Instrument	2026404850
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CATHERINE DR, HARBINGER, NC 27941-9782

Mortgage

Document Number	0000404851,
Date	Aug 5, 2026
Instrument	2026404851

Lender

Name	TOWNE MORTGAGE COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	116 CATHERINE DR, HARBINGER, NC 27941-9782
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CATHERINE DR, HARBINGER, NC 27941-9782

Mortgage

Document Number	0018050225
Date	Apr 4, 2025
Book Page	1805/225
Instrument	394648

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	116 CATHERINE DR, HARBINGER, NC 27941-9782
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 CATHERINE DR, HARBINGER, NC 27941-9782

Mortgage

Document Number	0017740823
Date	Jun 18, 2024
Book Page	1774/823
Instrument	389748

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	116 CATHERINE DR, HARBINGER, NC 27941-9782
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015250661
Date	Mar 18, 2020
Book Page	1525/661
Instrument	349881

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

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	$2,588.00 (+0.23%)	$364,800 (-) Land $50,900 Building $313,900
2024	$2,582.00 (+9.97%)	$364,800 (-) Land $50,900 Building $313,900
2023	$2,348.00 (+19.8%)	$364,800 (-) Land $50,900 Building $313,900	$364,800 (-) Land $50,900 Building $313,900
2022	$1,960.00	$364,800 Land $50,900 Building $313,900	$364,800 (-) Land $50,900 Building $313,900
2021			$364,800 Land $50,900 Building $313,900

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 51% of the US · above 72% 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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