198 Murray Ln, Oriental, NC 28571 Property Records

Pamlico County property record for 198 Murray Ln, Oriental, NC 28571

Property Summary

Property Type	Marina, Boat Slips, Yacht Club, Boat Landing
Details	3 bd · 2 ba · 2,047 sqft · built 1996
Lot Size	2.49 acres (108,464 sqft)
Owner	2 Individual Names on File
Last Sale	$7,000 (Jan 2022)
Tax Bill	$2,109 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2020 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`K07-5-7`

Property Details

APN / Parcel Number

Primary APN	`K07-5-7`
Alternative APNs	`7409038708000` `33001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,047 sqft Finished Area
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	108,464 sqft (2.49 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	33001
Street Address	198 MURRAY LN
City	ORIENTAL
State	NC
Zip	28571-9800
Property Category	Public Works
Property Type	Public Works > Marina, Boat Slips, Yacht Club, Boat Landing
Legal Description	LOT 7 UP THE CREEK SUB. BOAT SLIP 1 0002909 7409038708000
Legal Subdivision	UP THE CREEK SUBDIVISION
Legal Lot Number	7
Jurisdiction	PAMLICO NC
Township / Civil Division	2
Census Block Group	3
Census Block	3029
Census Tract	950202

Owner

198 Murray Ln, a public works property, is owned by two individuals who acquired it in January 2022.

Source: Pamlico County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	198 MURRAY LN, ORIENTAL, NC 28571-9800
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

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ROYAL UNITED MORTGAGE LLC
Jun 4, 2018	Warranty Deed, Transfer AMERICAN SECURITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on File
Deed Sale	Jan 11, 2022 · Amount on File
Prior Sale	Dec 13, 2021 · Amount on File
Deed Book / Page	693 / 784
Last Transfer Date	Jan 27, 2022
Transfer Doc	0695000313
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	198 MURRAY LN, ORIENTAL, NC 28571-9800
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000692/603
Date	Dec 15, 2021
Book Page	692/603

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	198 MURRAY LN, ORIENTAL, NC 28571-9800
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000657/76
Date	Jan 21, 2020
Book Page	657/76

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAMLICO NC
Recording Date	Jun 4, 2018
Property Address	198 MURRAY LN, ORIENTAL, NC 28571-9800
Document Number	000637/902
Book / Page	637 / 902
Instrument Date	May 25, 2018
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	110 LAKE FAIRGREEN CIR, NEW SMYRNA BEACH, FL 32168-6145

Mortgage

Document Number	0000000637/0000000905
Date	Jun 4, 2018
Book Page	0000000637/0000000905

Lender

Name	AMERICAN SECURITY MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 198 Murray Ln was $2,109.

Source: Pamlico County assessment roll, as of August 25, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,109.00	$298,676 Land $111,519 Building $187,157	$298,676 Land $111,519 Building $187,157
2023	$2,049.00	$298,676 Land $111,519 Building $187,157	$298,676 Land $111,519 Building $187,157

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

Flood

FEMA maps place 198 Murray Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · 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	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 284 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	284 in force
Nearby Flood Claims	171 (1999–2019)
Claims Outside the SFHA	13 of 171
Most Recent Claim	Sep 2019 · Hurricane Dorian
Claims by Event	Hurricane Florence, Sep 2018 · 95 claims Hurricane Irene, Aug 2011 · 48 claims Hurricane Isabel, Sep 2003 · 16 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

Wildfire risk around 198 Murray Ln is high, ranking above 71% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 93% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	PAMLICO COUNTY WATER serves 19,665 people · EPA ID NC0469025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Brightspeed Fiber	940 / 940
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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