Dare County property record for 20 Ralph Ln, Wanchese, NC 27981
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,732 sqft · built 1915 |
| Lot Size | 0.517 acres (22,500 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $347 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 979707694149 |
| Primary APN | 979707694149 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,732 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Bungalow |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 22,500 sqft (0.517 acres) |
| Cooling System | None |
|---|
| Account Number | 979707694149 |
|---|---|
| Street Address | 20 RALPH LN |
| City | WANCHESE |
| State | NC |
| Zip | 27981 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: BLK: SEC: PL: SL: |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | NAGS HEAD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970602 |
20 Ralph Ln is owned by an individual who acquired it in October 2023.
Source: Dare County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 142, WANCHESE, NC 27981-0142 |
| 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.
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK & TRUST CO |
| Oct 16, 2023 | Gift Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 13, 2023 |
| Transfer Doc | 002703/501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | May 13, 2026 |
| Property Address | 20 RALPH LN, WANCHESE, NC 27981 |
| Document Number | 0700159674 |
| Book / Page | 2850 / 38 |
| Instrument Date | May 13, 2026 |
| Instrument | 2026700159674 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 70 RALPH LN, WANCHESE, NC 27981 |
| Document Number | 0700159674, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 2850/38 |
| Instrument | 2026700159674 |
| Name | SOUTHERN BANK & TRUST CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Oct 16, 2023 |
| Property Address | 20 RALPH LN, WANCHESE, NC 27981 |
| Document Number | 002703/501 |
| Book / Page | 2703 / 501 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 700133600 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 97, WANCHESE, NC 27981-0097 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 42, WANCHESE, NC 27981-0042 |
The 2026 property tax bill for 20 Ralph Ln was $347.
Source: Dare County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $347.00 | $87,700 (-) Land $87,700 | $87,700 Land $87,700 |
| 2025 | $347.00 | $87,700 Land $87,700 | |
| 2023 | $725.00 | $127,400 Land $67,000 Building $60,400 | |
| 2020 | $87,700 Land $87,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Ralph Ln 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 183 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 183 in force |
| Nearby Flood Claims | 172 (1983–2023) |
| Claims Outside the SFHA | 3 of 172 |
| Most Recent Claim | Apr 2023 · tidal / storm surge |
| 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.
Wildfire risk around 20 Ralph Ln is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | DARE COUNTY WATER SYSTEM serves 28,732 people · EPA ID NC0428030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 4 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.
Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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