Dare County property record for 195 Ocean Front Dr, Duck, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,724 sqft · built 1987 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,369 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 986913037970 |
| Primary APN | 986913037970 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,724 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Other |
| Roof Type | Gable |
| Lot Area | 12,000 sqft (0.275 acres) |
| View / Lot | Ocean |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 986913037970 |
|---|---|
| Street Address | 195 OCEAN FRONT DR |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 15 BLK: SEC: PL: A SL: 65 |
| Legal Subdivision | OCEAN DUNES |
| Legal Lot Number | 15 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 970101 |
195 Ocean Front Dr is owned by two individuals who acquired it in April 2010.
Source: Dare County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 110 NOAHS LN, POINT HARBOR, NC 27964-8000 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 24, 2010 |
| Transfer Doc | 1831/009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 195 OCEAN FRONT DR, DUCK, NC 27949 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002272/0000000239 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 0000002272/0000000239 |
| Instrument | 000700059170 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 350 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 195 Ocean Front Dr was $4,369, up 0.1% from the year before.
Source: Dare County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Duck Town |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,369.00 (+0.14%) | $970,900 (-) Land $609,000 Building $361,900 | $970,900 Land $609,000 Building $361,900 |
| 2025 | $4,363.00 | $970,900 Land $609,000 Building $361,900 | |
| 2023 | $3,479.00 | $560,700 Land $337,100 Building $223,600 | |
| 2020 | $970,900 Land $609,000 Building $361,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Ocean Front Dr 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 AO, 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 |
|
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.
The area around 195 Ocean Front Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 322 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 |
May also be available: Brightspeed, T-Mobile.
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