122 Water St, Point Harbor, NC 27964 Property Records

Currituck County property record for 122 Water St, Point Harbor, NC 27964

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,660 sqft · built 1971
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$1,850,000 (Jun 2022)
Tax Bill	$1,394 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9846-58-3688`

Property Details

APN / Parcel Number

Primary APN	`9846-58-3688`
Alternative APNs	`132A005004A0000` `000164535` `9846-58`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,660 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	22 ft deep x 6.8 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000164535
Street Address	122 WATER ST
City	POINT HARBOR
State	NC
Zip	27964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	S 1/2 LOT 3, LOTS 4,6,8 BLK 5 PT.HARBOR BCH
Legal Subdivision	POINT HARBOR BEACH
Legal Block	5
Legal Lot Number	4A
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1007
Census Tract	110403

Owner

Source: Currituck County records, as of April 10, 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	3941 IVY LN, KITTY HAWK, NC 27949-4346
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	2022376942
Deed Book / Page	1700 / 554
Prior Transfer Date	May 21, 2012
Prior Transfer Doc	0012020416
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Jun 28, 2022
Property Address	122 WATER ST, POINT HARBOR, NC 27964
Document Number	0017000554
Book / Page	1700 / 554
Map Reference	MB 157 PG 738
Instrument Date	Jun 20, 2022
Instrument	376942
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	925 OLD CUTLER RD, VIRGINIA BEACH, VA 23454-2866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 WATER ST, POINT HARBOR, NC 27964
Investor	Possibly a Property Investor

Mortgage

Document Number	0000376943
Date	Jun 28, 2022
Instrument	376943

Lender

Name	TOWNEBANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$1,394.00 (+0.65%)	$182,200 (-) Land $56,400 Building $125,800
2024	$1,385.00 (+9.31%)	$182,200 (-) Land $56,400 Building $125,800
2023	$1,267.00 (+17.64%)	$182,200 (-) Land $56,400 Building $125,800	$182,200 (-) Land $56,400 Building $125,800
2022	$1,077.00	$182,200 Land $56,400 Building $125,800	$182,200 (-) Land $56,400 Building $125,800
2021			$182,200 Land $56,400 Building $125,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	3 (2011–2018)
Most Recent Claim	Oct 2018 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 2 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	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	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 68 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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