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

Dare County property record for 157 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Lot Size	0.436 acres (19,000 sqft)
Owner	2 Company Names on Record
Last Sale	$2,350,000 (Nov 2025)
Tax Bill	$8,978 (2026)
Deeds & Mortgages	Nov 2025 Sale & Construction Loan Mar 2023 Sale
Flood Zone	Zone VE (high risk)
APN	`986909056534`

Property Details

APN / Parcel Number

Primary APN	`986909056534`
Alternative APNs	`98690956534` `026469049`

Interior

Bedrooms	7 Beds
Full Baths	9 Baths
Half Baths	2 Half Baths
Stories	3 Stories
Building Area	4,879 sqft Finished Area

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Architectural Style	Contemporary
Exterior Material	Other
Lot Area	19,000 sqft (0.436 acres)
View / Lot	Ocean

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	986909056534
Street Address	157 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949-4565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 49 BLK: SEC: 2 PL: C SL: 14E
Legal Subdivision	SCHOONER RIDGE
Legal Phase	II
Legal Lot Number	49
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
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 Company Names on Record
Mailing Address	1367 HARDISON LN, MC LEAN, VA 22102-2241
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Warranty Deed, Construction Loan · Construction Mortgage ATLANTIC UNION BANK
Mar 17, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Apr 7, 2025 · Amount on Record
Deed Document Number	2025700154551
Deed Book / Page	2821 / 421
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Nov 17, 2025
Property Address	157 SCHOONER RIDGE DR E, DUCK, NC 27949-4565
Document Number	002821/421
Book / Page	2821 / 421
Map Reference	CAB C SLS 14-E & 14F
Instrument Date	Nov 5, 2025
Instrument	700154551
Transaction Type	Construction Loan
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15821 HUNTON LN, HAYMARKET, VA 20169-1741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1367 HARDISON LN, MCLEAN, VA 22102-2241

Mortgage

Document Number	0700154552
Date	Nov 17, 2025
Instrument	700154552

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Index	1-Year CMT
Max Rate	11.6%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Mar 17, 2023
Property Address	157 SCHOONER RIDGE DR E, DUCK, NC 27949-4565
Document Number	00002671/9
Book / Page	2671 / 9
Map Reference	CAB C SL 14-E&14-F
Instrument Date	Mar 10, 2023
Instrument	700127675
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2505 FALLON DR, HERNDON, VA 20171-2966

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2505 FALLON DR, HERNDON, VA 20171-2966

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	$8,978.00	$2,025,800 (-) Land $2,025,800	$2,025,800 (-) Land $2,025,800
2025	$8,978.00 (+72.36%)	$2,025,800 (+141.31%) Land $2,025,800
2023	$5,209.00	$839,500 Land $839,500
2020			$2,025,800 Land $2,025,800

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Low lower than 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 0.01% 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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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