199 Dowdys Bay Rd, Grandy, NC 27939 Property Records

Currituck County property record for 199 Dowdys Bay Rd, Grandy, NC 27939

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,816 sqft · built 1997
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2020)
Tax Bill	$3,080 (2025)
Deeds & Mortgages	Feb 2021 Transfer Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`9922-23-5708`

Property Details

APN / Parcel Number

Primary APN	`9922-23-5708`
Alternative APNs	`010700000290000` `000157924` `9922-23`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,816 sqft Living Area
Intercom	Intercom

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	22,041 sqft (0.506 acres)
Lot Dimensions	210 ft deep x 105 ft wide

Exterior Amenities

Deck Area	120 sqft
Patio Area	264 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000157924
Street Address	199 DOWDYS BAY RD
City	GRANDY
State	NC
Zip	27939-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOT - PUGH
Legal Lot Number	29
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1005
Census Tract	110401

Owner

199 Dowdys Bay Rd is owned and occupied by two individuals who acquired it in January 2021.

Source: Currituck County records, as of December 2, 2025

Owner of Record	2 Individual Names on File
Mailing Address	199 DOWDYS BAY RD, GRANDY, NC 27939-9716
Occupancy	Owner Occupied
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
Feb 1, 2021	Intrafamily Transfer, Transfer
Oct 28, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Deed Document Number	2020356720
Deed Book / Page	1571 / 908
Last Transfer Date	Jan 15, 2021
Transfer Doc	0015960271
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CURRITUCK NC
Recording Date	Feb 1, 2021
Property Address	199 DOWDYS BAY RD, GRANDY, NC 27939-9716
Document Number	0015960271
Book / Page	1596 / 271
Instrument Date	Jan 15, 2021
Instrument	360325
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 DOWDYS BAY RD, GRANDY, NC 27939-9716

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Oct 28, 2020
Property Address	199 DOWDYS BAY RD, GRANDY, NC 27939-9716
Document Number	0015710908
Book / Page	1571 / 908
Instrument Date	Oct 21, 2020
Instrument	356720
Transaction Type	Transfer
Record Updated	Feb 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 10, MOUNTAIN CITY, TN 37683-0010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 NEW BERN ROAD, GRANDY, NC 27939

Mortgage

Document Number	356721
Date	Oct 28, 2020
Instrument	356721

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 199 Dowdys Bay Rd was $3,080, up 1.2% from the year before.

Source: Currituck County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Currituck County
Unified School District	Currituck County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,080.00 (+1.25%)	$442,800 (-) Land $115,900 Building $326,900
2024	$3,042.00 (+10.1%)	$442,800 (-) Land $115,900 Building $326,900
2023	$2,763.00 (+20.18%)	$442,800 (-) Land $115,900 Building $326,900	$442,800 (-) Land $115,900 Building $326,900
2022	$2,299.00	$442,800 Land $115,900 Building $326,900	$442,800 (-) Land $115,900 Building $326,900
2021			$442,800 Land $115,900 Building $326,900

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

Flood

FEMA maps place 199 Dowdys Bay Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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 File median of 101 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	121 units insured incl. 20 condo units
Nearby Flood Claims	97 (1998–2022)
Claims Outside the SFHA	2 of 97
Most Recent Claim	Jun 2022
Claims by Event	Hurricane Florence, Sep 2018 · 6 claims Hurricane Matthew, Oct 2016 · 14 claims Hurricane Irene, Aug 2011 · 24 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

The area around 199 Dowdys Bay Rd 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.

Drinking Water

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	CURRITUCK COUNTY WATER SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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