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

Dare County property record for 171 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,453 sqft · built 1990
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,160,000 (Apr 2024)
Tax Bill	$4,970 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`985912959776`

Property Details

APN / Parcel Number

Primary APN	`985912959776`
Alternative APN	`026469042`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,453 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
View / Lot	Ocean

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	985912959776
Street Address	171 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 42 BLK: SEC: 2 PL: C SL: 14E
Legal Subdivision	SCHOONER RIDGE
Legal Phase	II
Legal Lot Number	42
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

Owner

171 Schooner Ridge Dr E is owned by two individuals who bought it in April 2024.

Source: Dare County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	308 PINE ST, FALLS CHURCH, VA 22046-2533
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Apr 19, 2024	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2024 · Amount on File
Deed Sale	Apr 19, 2024 · Amount on File
Deed Document Number	2024700138473
Deed Book / Page	2729 / 828
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	171 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 PINE ST, FALLS CHURCH, VA 22046-2533

Mortgage

Document Number	002825/443
Date	Dec 11, 2025
Book Page	2825/443
Instrument	700155216

Lender

Name	TRUIST BANK
Type	Bank
Address	1001 SEMMES AVE, RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	5.92%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.9%
Index	Other
Margin	3
Max Rate	10.9%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	171 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 PINE ST, FALLS CHURCH, VA 22046-2533

Mortgage

Document Number	002729/830
Date	Apr 19, 2024
Book Page	2729/830
Instrument	700138474

Lender

Name	TRUIST BANK
Type	Bank
Address	1001 SEMMES AVE, RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate	6.52%
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

Tax Assessment & Valuation

The 2026 property tax bill for 171 Schooner Ridge Dr E was $4,970.

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	$4,970.00	$1,121,400 (-) Land $750,000 Building $371,400	$1,121,400 Land $750,000 Building $371,400
2025	$4,970.00	$1,121,400 Land $750,000 Building $371,400
2023	$3,723.00	$600,000 Land $345,000 Building $255,000
2020			$1,121,400 Land $750,000 Building $371,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 171 Schooner Ridge Dr E 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 May 11, 2023 · 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 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

The area around 171 Schooner Ridge Dr E has no burnable land within ember reach, so its wildfire risk is not rated.

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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