Dare County property record for 118 Ruddy Duck Ln, Duck, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,580 sqft · built 1983 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | Trust Name on File |
| Last Sale | $480,000 (Nov 2013) |
| Tax Bill | $3,428 (2026) |
| Flood Zone | Zone X (moderate risk) |
| APN | 995118314207 |
| Primary APN | 995118314207 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,580 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Other |
| Roof Type | Gable |
| Lot Area | 16,000 sqft (0.367 acres) |
| View / Lot | Waterfront |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 995118314207 |
|---|---|
| Street Address | 118 RUDDY DUCK LN |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949-4607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 157 BLK: SEC: PL: A SL: 371 |
| Legal Subdivision | SANDERLING |
| Legal Phase | 4B |
| Legal Lot Number | 157 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 970101 |
118 Ruddy Duck Ln is held in a trust since November 2013.
Source: Dare County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 740 OSPREY VIEW WAY, CHARLOTTESVILLE, VA 22901-5508 |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2013 · Amount on File |
| Deed Sale | Nov 22, 2013 · Amount on File |
| Deed Document Number | 20136337329 |
| Deed Book / Page | 1946 / 266 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 118 Ruddy Duck Ln was $3,428, up 33.3% from the year before.
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 | $3,428.00 (+33.33%) | $773,600 (-) Land $425,700 Building $347,900 | $773,600 Land $425,700 Building $347,900 |
| 2025 | $2,571.00 | $773,600 Land $425,700 Building $347,900 | |
| 2023 | $1,649.00 | $531,600 Land $346,500 Building $185,100 | |
| 2020 | $773,600 Land $425,700 Building $347,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Ruddy Duck Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 118 Ruddy Duck Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% 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.
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 120 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 |
5G (outdoors only) and 4G LTE
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