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

Dare County property record for 172 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,480 sqft · built 1997
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,960,000 (Feb 2022)
Tax Bill	$4,819 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`985912957545`

Property Details

APN / Parcel Number

Primary APN	`985912957545`
Alternative APN	`026469078`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,480 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
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	985912957545
Street Address	172 SCHOONER RIDGE DR E
City	DUCK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 78 BLK: SEC: 2 PL: C SL: 14E
Legal Subdivision	SCHOONER RIDGE
Legal Phase	II
Legal Lot Number	78
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 16, 2025

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	1925 BROOKHAVEN RD, WILMINGTON, NC 28403-5303
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 25, 2022	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Feb 26, 2021	Gift Deed, Transfer
Jul 31, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Jul 31, 2019 · Amount on Record
Deed Document Number	2022700114020
Deed Book / Page	2595 / 803
Prior Transfer Date	Feb 26, 2021
Prior Transfer Doc	2473/896
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	172 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002503/593
Date	May 10, 2021
Book Page	2503/593
Instrument	700098598

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DARE NC
Recording Date	Feb 25, 2022
Property Address	172 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	002595/803
Book / Page	2595 / 803
Map Reference	CAB C SL 14-E &14-F
Instrument Date	Feb 24, 2022
Instrument	700114020
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2331 BEXLEY WOOD RUN, 2331, GOOCHLAND, VA 23063-2440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1925 BROOKHAVEN RD, WILMINGTON, NC 28403-5303

Mortgage

Document Number	0700114021
Date	Feb 25, 2022
Instrument	700114021

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

February 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	DARE NC
Recording Date	Feb 26, 2021
Property Address	172 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	2473/896
Book / Page	2473 / 896
Map Reference	CAB C SL 14-E&14-F
Instrument Date	Feb 26, 2021
Instrument	700093748
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2331 BEXLEY WOOD RUN, 2331, GOOCHLAND, VA 23063-2440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 BEXLEY WOOD RUN, GOOCHLAND, VA 23063-2440

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jul 31, 2019
Property Address	172 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	002314/776
Book / Page	2314 / 776
Instrument Date	Jul 17, 2019
Instrument	700067244
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 BEXLEY WOOD RUN, GOOCHLAND, VA 23063-2440

Mortgage

Document Number	002314/778
Date	Jul 31, 2019
Book Page	2314/778
Instrument	700067245

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 16, 2025

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
2025	$4,819.00 (+33.9%)	$1,071,500 (+84.72%) Land $645,000 Building $426,500
2023	$3,599.00	$580,072 Land $300,000 Building $280,072
2020			$1,071,500 Land $645,000 Building $426,500

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 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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