207 Echo Ridge Rd, Swansboro, NC 28584 Property Records

Carteret County property record for 207 Echo Ridge Rd, Swansboro, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 2017
Lot Size	0.355 acres (15,464 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Mar 2021)
Tax Bill	$1,366 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5377.03.23.1383000`

Property Details

APN / Parcel Number

Primary APN	`5377.03.23.1383000`
Alternative APNs	`548388` `33231`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,980 sqft Heated Area
Gross Area	2,572 sqft
1st Floor Area	1,750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,464 sqft (0.355 acres)
Lot Dimensions	190 ft deep x 80 ft wide
Porch	Slab
Patio Area	13 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	33231
Street Address	207 ECHO RIDGE RD
City	SWANSBORO
State	NC
Zip	28584-8548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L45 COLDWATER CREEK PH2
Legal Subdivision	COLDWATER CREEK
Legal Phase	2
Legal Block	23
Legal Lot Number	45
Jurisdiction	CARTERET NC
Township / Civil Division	WHITE OAK
Census Block Group	1
Census Block	1053
Census Tract	970805

Owner

207 Echo Ridge Rd is owned and occupied by two individuals who bought it in March 2021.

Source: Carteret County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	207 ECHO RIDGE RD, SWANSBORO, NC 28584-8548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Mar 31, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 21, 2019	Deed of Trust, Mortgage · VA Mortgage ON Q FINANCIAL INC
Jul 27, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Jul 27, 2017 · Amount on File
Deed Document Number	20211715118
Deed Book / Page	1715 / 118
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Mar 31, 2021
Property Address	207 ECHO RIDGE RD, SWANSBORO, NC 28584-8548
Document Number	0017150118
Book / Page	1715 / 118
Map Reference	MB 31 PG 206
Instrument Date	Mar 11, 2021
Instrument	1715118
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 ECHO RIDGE, NC 28534

Mortgage

Document Number	1715119
Date	Mar 31, 2021
Instrument	1715-119

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTERET NC
Property Address	207 ECHO RIDGE RD, SWANSBORO, NC 28584-8548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016520302
Date	Oct 21, 2019
Book Page	1652/302
Instrument	1652302

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution
Address	TEMPE, AZ 85281

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	Jul 27, 2017
Property Address	207 ECHO RIDGE RD, SWANSBORO, NC 28584-8548
Document Number	0015820439
Book / Page	1582 / 439
Map Reference	MB31 PG206
Instrument Date	Jul 24, 2017
Instrument	1582439
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 OLD CHURCH RD, 523, SWANSBORO, NC 28584-7456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 ECHO RIDGE RD, SWANSBORO, NC 28584-8548

Mortgage

Document Number	1582440
Date	Jul 27, 2017
Instrument	1582440

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 207 Echo Ridge Rd was $1,366.

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$367,783 (-) Land $60,390 Building $307,393	$367,783 (-) Land $60,390 Building $307,393
2025	$1,366.00	$367,783 Land $60,390 Building $307,393	$367,783 Land $60,390 Building $307,393
2023		$235,092 Land $48,400 Building $186,692	$235,092 Land $48,400 Building $186,692
2022	$1,300.00

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

Flood

FEMA maps place 207 Echo Ridge Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	7 (1999–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 3 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 207 Echo Ridge Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 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

Cell Coverage

5G (outdoors only) and 4G LTE

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