Beaufort County property record for 120 Ridge Rd, Chocowinity, NC 27817
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,694 sqft · built 1997 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,000 (Aug 1998) |
| Tax Bill | $3,141 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5684-03-7497 |
| Primary APN | 5684-03-7497 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,694 sqft Living Area |
| Gross Area | 2,544 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 RIDGE RD |
|---|---|
| City | CHOCOWINITY |
| State | NC |
| Zip | 27817-9169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT #10 CYPRESS RIDGE |
| Legal Subdivision | CYPRESS RIDGE |
| Legal Lot Number | 10 |
| Jurisdiction | BEAUFORT NC |
| Township / Civil Division | CHOCOWINITY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 930900 |
120 Ridge Rd is owned and occupied by two individuals who bought it in August 1998.
Source: Beaufort County records, as of October 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 RIDGE RD, CHOCOWINITY, NC 27817-9169 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 1998 · Amount on File |
| Deed Sale | Aug 5, 1998 · Amount on File |
| Deed Book / Page | 1110 / 748 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAUFORT NC |
| Property Address | 120 RIDGE RD, CHOCOWINITY, NC 27817-9169 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00002154/1 |
|---|---|
| Date | Nov 14, 2023 |
| Book Page | 2154/1 |
| Instrument | 2023005419 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Address | GRAND FORKS, ND 58201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 14, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 120 Ridge Rd was $3,141.
Source: Beaufort County assessment roll, as of October 16, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Beaufort County |
| Unified School District | Beaufort County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,141.00 | $550,777 Land $153,745 Building $397,032 | |
| 2025 | $550,777 Land $153,745 Building $397,032 | ||
| 2023 | $1,967.00 | $248,946 Land $90,000 Building $158,946 | |
| 2018 | $248,946 Land $90,000 Building $158,946 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 35 (1996–2018) |
| Claims Outside the SFHA | 3 of 35 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| 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 120 Ridge Rd 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 93% of the US · lower than 95% 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: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 940 / 940 |
| Optimum Cable | 940 / 35 |
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