197 Schooner Ridge Dr E, Kitty Hawk, NC 27949 Property Records

Dare County property record for 197 Schooner Ridge Dr E, Kitty Hawk, NC 27949 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,124 sqft · built 2000
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Trust Names on File
Last Sale	$632,500 (May 2018)
Tax Bill	$5,315 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`985912859596`

Property Details

APN / Parcel Number

Primary APN	`985912859596`
Alternative APN	`026469029`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,124 sqft Heated Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable
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	985912859596
Street Address	197 SCHOONER RIDGE DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 29 BLK: SEC: 2 PL: C SL: 14E
Legal Subdivision	SCHOONER RIDGE
Legal Phase	II
Legal Lot Number	29
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

Owner

Source: Dare County records · APN 985912859596

Assessment roll updated October 16, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on File
Mailing Address	139 HARTWELL PERRY WAY, WILLIAMSBURG, VA 23188-7924
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
May 15, 2018	Deed of Trust, Mortgage · ARM TOWNEBANK MORTGAGE
Mar 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Jul 09, 2019	Deed, Transfer
May 15, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Prior Sale	Feb 12, 2010 · Amount on Record
Deed Document Number	2018700052309
Deed Book / Page	2237 / 157
Prior Transfer Date	May 26, 2015
Prior Transfer Doc	2027/188
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	197 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 HARTWELL PERRY WAY, WILLIAMSBURG, VA 23188-7924

Mortgage

Document Number	002611/851
Date	Apr 18, 2022
Book Page	2611/851
Instrument	700116774

Lender

Name	TOWNEBANK
Type	Bank
Address	WILLIAMSBURG, VA 23188

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Apr 04, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	197 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002237/0000000159
Date	May 15, 2018
Book Page	0000002237/0000000159
Instrument	000700052310

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	356 Months
Due	Jan 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Jun 01, 2033
Index	1-Year CMT

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	197 SCHOONER RIDGE DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2359/889
Date	Mar 06, 2020
Book Page	2359/889
Instrument	700075123

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	DARE NC
Recording Date	Jul 09, 2019
Property Address	197 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	2310/623
Book / Page	2310 / 623
Instrument Date	Jun 26, 2019
Instrument	700066455
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 HARTWELL PERRY WAY, WILLIAMSBURG, VA 23188-7924

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	May 15, 2018
Property Address	197 SCHOONER RIDGE DR E, DUCK, NC 27949
Document Number	2237/157
Book / Page	2237 / 157
Instrument Date	May 08, 2018
Instrument	000700052309
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	139 HARTWELL PERRY WAY, WILLIAMSBURG, VA 23188-7924

Tax Assessment & Valuation

Source: Dare County records · Assessment roll updated October 16, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,315.00 (+24.01%)	$1,171,700 (+70.06%) Land $499,500 Building $672,200
2023	$4,286.00	$688,972 Land $229,500 Building $459,472
2020			$1,171,700 Land $499,500 Building $672,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dare County (37055C), updated May 11, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370559701011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1,132 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,493 units insured 361 under condo master policies
Nearby Flood Claims	732 (1978–2024)
Claims Outside the SFHA	327 of 732
Most Recent Claim	Sep 2024, rainfall accumulation, Potential Tropical Cyclone Eight
Claims By Storm	Hurricane Matthew, Oct 2016 · 128 claims Hurricane Irene, Aug 2011 · 119 claims Hurricane Isabel, Sep 2003 · 85 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 366 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Ripple Fiber	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Brightspeed. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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