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

Dare County property record for 175 Schooner Ridge Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,390 sqft · built 1989
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$1,250,000 (Dec 2023)
Tax Bill	$5,639 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`985912957795`

Property Details

APN / Parcel Number

Primary APN	`985912957795`
Alternative APN	`026469040`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,390 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
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	985912957795
Street Address	175 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 40 BLK: SEC: 2 PL: C SL: 14E
Legal Subdivision	SCHOONER RIDGE
Legal Phase	II
Legal Lot Number	40
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

Owner

175 Schooner Ridge Dr E is owned by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	11609 LONG MEADOW DR, GLEN ALLEN, VA 23059-5130
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on File
Deed Sale	Dec 1, 2023 · Amount on File
Prior Sale	May 30, 2014 · Amount on File
Deed Document Number	2023700134758
Deed Book / Page	2709 / 887
Prior Transfer Date	Mar 8, 2006
Prior Transfer Doc	1678/225
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Dec 1, 2023
Property Address	175 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	002709/887
Book / Page	2709 / 887
Instrument Date	Nov 26, 2023
Instrument	700134758
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount on Record
Tax	$2,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 VAN LOAN CIR, PAOLI, PA 19301-1037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116O9 LONG MEADOW DRIVE, GLEN ALLEN, VA 23059

Mortgage

Document Number	0700134759
Date	Dec 1, 2023
Instrument	700134759

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	5-Year CMT
Max Rate	13.1%

Mortgage

Document Number	002709/890
Date	Dec 1, 2023
Book Page	2709/890
Instrument	700134759

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	10 JUNIPER TRL # B, SOUTHERN SHORES, NC 27949

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029
Change Frequency	5 Years
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	5-Year CMT
Max Rate	13.1%

Tax Assessment & Valuation

The 2026 property tax bill for 175 Schooner Ridge Dr E was $5,639.

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	$5,639.00	$1,272,500 (-) Land $705,000 Building $567,500	$1,272,500 Land $705,000 Building $567,500
2025	$5,639.00	$1,272,500 Land $705,000 Building $567,500
2023	$4,004.00	$645,408 Land $315,000 Building $330,408
2020			$1,272,500 Land $705,000 Building $567,500

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

Flood

FEMA maps place 175 Schooner Ridge Dr E in Zone X, an area of minimal flood risk, though there have been 732 flood claims nearby since 1978.

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 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 175 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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