195 Lighthouse Rd, Ocracoke, NC 27960 Property Records

Hyde County property record for 195 Lighthouse Rd, Ocracoke, NC 27960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,478 sqft · built 1990
Lot Size	0.486 acres (21,200 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Aug 2019)
Tax Bill	$3,481 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`9500282152`

Property Details

APN / Parcel Number

Primary APN	`9500282152`
Alternative APN	`145`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,478 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,200 sqft (0.486 acres)
Lot Dimensions	200 ft deep x 106 ft wide
Porch	Patio
Porch Area	136 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	9500282152
Street Address	LIGHTHOUSE RD
City	SWANQUARTER
State	NC
Zip	27885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	LOT & HOUSE
Jurisdiction	HYDE NC
Township / Civil Division	OCRACOKE
Census Block Group	3
Census Block	3005
Census Tract	920101

Owner

Source: Hyde County records, as of July 21, 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 Record
Mailing Address	436 N DAKOTA DR, RUTHERFORDTON, NC 28139-7945
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2024	Deed of Trust, Mortgage · Line of Credit EASTMAN CU
Jun 18, 2020	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Aug 28, 2019	Warranty Deed, Transfer · VA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Deed Document Number	2019407762
Deed Book / Page	282 / 32
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HYDE NC
Property Address	195 LIGHTHOUSE RD, OCRACOKE, NC 27960-9609
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 LIGHTHOUSE RD, OCRACOKE, NC 27960-9609

Mortgage

Document Number	000302/240
Date	Mar 7, 2024
Book Page	302/240
Instrument	412015

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HYDE NC
Property Address	195 LIGHTHOUSE RD, OCRACOKE, NC 27960-9609
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000285/219
Date	Jun 18, 2020
Book Page	285/219
Instrument	408423

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HYDE NC
Recording Date	Aug 28, 2019
Property Address	195 LIGHTHOUSE RD, OCRACOKE, NC 27960-9609
Document Number	000282/032
Book / Page	282 / 032
Map Reference	CAB J SL 123G
Instrument Date	Aug 21, 2019
Instrument	407762
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 182, OCRACOKE, NC 27960-0182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 351, OCRACOKE, NC 27960-0351

Mortgage

Document Number	0000407763
Date	Aug 28, 2019
Instrument	407763

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Hyde County assessment roll, as of June 26, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Hyde County
Unified School District	Hyde County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,481.00 (+17.32%)	$370,304 (+15.49%) Land $244,800 Building $125,504	$370,304 (+15.49%) Land $244,800 Building $125,504
2023	$2,967.00	$320,641 Land $212,500 Building $108,141	$320,641 Land $212,500 Building $108,141

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 15, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 631 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	672 units insured incl. 41 condo units
Nearby Flood Claims	382 (1999–2023)
Claims Outside the SFHA	11 of 382
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Dorian, Sep 2019 · 316 claims Hurricane Matthew, Oct 2016 · 35 claims Hurricane Dennis, Sep 1999 · 5 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	High above 79% of the US · above 97% of North Carolina
Wildfire Likelihood	0.3% 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	OCRACOKE SANITARY DISTRICT serves 900 people · EPA ID NC0448020
Water Source	Groundwater
Last State Inspection	Jun 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
Ocracoke Cable TV Cable	10 / 1

May also be available: Brightspeed.

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