Dare County property record for 118 Chip Ct, Duck, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,804 sqft · built 1991 |
| Lot Size | 0.356 acres (15,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $453,000 (Oct 2009) |
| Tax Bill | $3,640 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage May 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 985912857703 |
| Primary APN | 985912857703 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,804 sqft Finished Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Contemporary |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,500 sqft (0.356 acres) |
| View / Lot | Ocean |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 985912857703 |
|---|---|
| Street Address | 118 CHIP CT |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 17 BLK: SEC: 1 PL: B SL: 381 |
| Legal Subdivision | SCHOONER RIDGE |
| Legal Lot Number | 17 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 970101 |
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 | 11401 OTTER RUN DR, ASHLAND, VA 23005-7547 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Nov 9, 2018 | Deed of Trust, Mortgage FARMERS BANK |
| May 20, 2022 | Deed of Trust, Mortgage · Line of Credit FARMERS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2009 · Amount on Record |
| Deed Sale | Oct 13, 2009 · Amount on Record |
| Deed Document Number | 20096266314 |
| Deed Book / Page | 1815 / 93 |
| Prior Transfer Date | Nov 24, 2008 |
| Prior Transfer Doc | 001788/207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 118 CHIP CT, DUCK, NC 27949 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002269/0000000198 |
|---|---|
| Date | Nov 9, 2018 |
| Book Page | 0000002269/0000000198 |
| Instrument | 000700058548 |
| Name | FARMERS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 118 CHIP CT, DUCK, NC 27949 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11401 OTTER RUN DR, ASHLAND, VA 23005-7547 |
| Document Number | 002620/282 |
|---|---|
| Date | May 20, 2022 |
| Book Page | 2620/282 |
| Instrument | 700118333 |
| Name | FARMERS BANK |
|---|---|
| Type | Bank |
| Address | WINDSOR, VA 23487 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Dare County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Duck Town |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,640.00 (-0.03%) | $817,100 (-) Land $475,700 Building $341,400 | $817,100 (-) Land $475,700 Building $341,400 |
| 2025 | $3,641.00 (+31.44%) | $817,100 (+82.99%) Land $475,700 Building $341,400 | |
| 2023 | $2,770.00 | $446,535 Land $218,600 Building $227,935 | |
| 2020 | $817,100 Land $475,700 Building $341,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 366 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Brightspeed.
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