138 Schooner Ridge Dr E, Duck (Kitty Hawk), NC 27949 Property Records

Dare County property record for 138 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 3,051 sqft · built 1998
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,685,000 (Jan 2026)
Tax Bill	$6,824 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`985912954364`

Property Details

APN / Parcel Number

Primary APN	`985912954364`
Alternative APN	`026469094`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,051 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
View / Lot	Ocean
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	985912954364
Street Address	138 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 94 BLK: SEC: 2 PL: C SL: 14E
Legal Subdivision	SCHOONER RIDGE
Legal Phase	II
Legal Lot Number	94
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1021
Census Tract	970101

Owner

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	6884 CLARET CIR, FAYETTEVILLE, NY 13066-1047
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK
Aug 15, 2022	Warranty Deed, Transfer
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Dec 11, 2020	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026 · Amount on Record
Deed Sale	Jan 23, 2026 · Amount on Record
Prior Sale	May 19, 2022 · Amount on Record
Deed Document Number	2026700156444
Deed Book / Page	2832 / 368
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	138 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6884 CLARET CIR, FAYETTEVILLE, NY 13066-1047

Mortgage

Document Number	002832/377
Date	Jan 23, 2026
Book Page	2832/377
Instrument	700156447

Lender

Name	NBKC BANK
Type	Bank
Address	8320 WARD PKWY, KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	Other
Margin	3
Max Rate	12.7%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Aug 15, 2022
Property Address	138 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	002638/346
Book / Page	2638 / 346
Map Reference	CAB C SL 14-E&14-F
Instrument Date	Aug 8, 2022
Instrument	700121611
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 WINNRIDGE DR, 301, RUTLAND, VT 05701-4572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 WINNRIDGE DR, RUTLAND, VT 05701-4572

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	May 19, 2022
Property Address	138 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	002620/180
Book / Page	2620 / 180
Map Reference	CAB C SL 14-E&14-F
Instrument Date	May 5, 2022
Instrument	700118305
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 DRYDEN DR, 32, POQUOSON, VA 23662-1456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 WINNRIDGE DR, RUTLAND, VT 05701-4572

Mortgage

Document Number	0700118306
Date	May 19, 2022
Instrument	700118306

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Dec 11, 2020
Property Address	138 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	2445/777
Book / Page	2445 / 777
Map Reference	CAB C SL 14-E&14-F
Instrument Date	Dec 8, 2020
Instrument	700089116
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	180 BEACH RD, 180, POQUOSON, VA 23662-1102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 BEACH RD, POQUOSON, VA 23662-1102

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Duck Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,824.00	$1,500,800 (-) Land $555,000 Building $945,800	$1,500,800 (-) Land $555,000 Building $945,800
2025	$6,824.00 (+47.2%)	$1,500,800 (+100.85%) Land $555,000 Building $945,800
2023	$4,636.00	$747,232 Land $255,000 Building $492,232
2020			$1,500,800 Land $555,000 Building $945,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	Hurricane Matthew, Oct 2016 · 128 claims Hurricane Irene, Aug 2011 · 119 claims Hurricane Isabel, Sep 2003 · 85 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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