Hyde County property record for 176 Middle Rd, Ocracoke, NC 27960 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,040 sqft · built 1989 |
| Lot Size | 0.129 acres (5,626 sqft) |
| Owner | Individual Name on File |
| Last Sale | $470,000 (Oct 2022) |
| Tax Bill | $4,054 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 9500593033 |
| Primary APN | 9500593033 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Heated Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,626 sqft (0.129 acres) |
| Deck Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Old Parcel Number | 9500593033 |
|---|---|
| Street Address | 176 MIDDLE RD |
| City | OCRACOKE |
| State | NC |
| Zip | 27960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT # 19 BL. EWAHAB VILLAGE |
| Legal Subdivision | WAHAB VILLAGE ANNEX |
| Legal Block | E |
| Legal Lot Number | 19 |
| Jurisdiction | HYDE NC |
| Township / Civil Division | OCRACOKE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 920101 |
Source: Hyde County records · APN 9500593033
Assessment roll updated June 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 414 MAIN ST, HAMPSTEAD, NH 03841-2095 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 01, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK & TRUST CO |
| Jan 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage AFFILIATED MORTGAGE SERVICES |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on Record |
| Deed Sale | Oct 31, 2022 · Amount on Record |
| Prior Sale | Jul 30, 2004 · Amount on Record |
| Deed Document Number | 2022411012 |
| Deed Book / Page | 298 / 60 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HYDE NC |
| Recording Date | May 01, 2026 |
| Property Address | 176 MIDDLE RD, OCRACOKE, NC 27960 |
| Document Number | 0000414012 |
| Book / Page | 312 / 383 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026414012 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 414 MAIN ST, HAMPSTEAD, NH 03841-2095 |
| Investor | Possibly a Property Investor |
| Document Number | 0000414012, |
|---|---|
| Date | May 01, 2026 |
| Book Page | 312/383 |
| Instrument | 2026414012 |
| Name | SOUTHERN BANK & TRUST CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HYDE NC |
| Property Address | 176 MIDDLE RD, OCRACOKE, NC 27960 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000283/384 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 283/384 |
| Instrument | 408070 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HYDE NC |
| Recording Date | Oct 31, 2022 |
| Property Address | 176 MIDDLE RD, OCRACOKE, NC 27960 |
| Document Number | 0000298/60 |
| Book / Page | 298 / 60 |
| Map Reference | MB 1 PG 15-A |
| Instrument Date | Oct 24, 2022 |
| Instrument | 411012 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9215 HUNTMASTER RD, GAITHERSBURG, MD 20882-1327 |
| Name | Verified Name |
|---|---|
| Address | 414 MAIN ST, HAMPSTEAD, NH 03841-2095 |
| Document Number | 0000411013 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 411013 |
| Name | AFFILIATED MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Nov 01, 2037 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.3% |
| Index | Other |
| Max Rate | 10.3% |
Source: Hyde County records · Assessment roll updated June 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Hyde County |
| Unified School District | Hyde County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,054.00 | $431,288 (-) Land $172,800 Building $258,488 | $431,288 (-) Land $172,800 Building $258,488 |
| 2024 | $4,054.00 (+168.12%) | $431,288 (+216.27%) Land $172,800 Building $258,488 | $431,288 (+216.27%) Land $172,800 Building $258,488 |
| 2023 | $1,512.00 | $136,369 Land $78,750 Building $57,619 | $136,369 Land $78,750 Building $57,619 |
Source: FEMA National Flood Hazard Layer, Hyde County (37095C), updated June 15, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370959201013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 3.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 631 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 672 units insured 41 under condo master policies |
| Nearby Flood Claims | 382 (1999–2023) |
| Claims Outside the SFHA | 11 of 382 |
| Most Recent Claim | Aug 2023, other causes |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 66% of the US · above 88% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 671 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 251 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Ocracoke Cable TV | Cable | 10 / 1 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Brightspeed. Availability varies by address; speeds are provider-advertised maximums, not measured.
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