Dare County property record for 232 Harbor Rd, Wanchese, NC 27981
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,068 sqft · built 1993 |
| Lot Size | 0.425 acres (18,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Jun 2024) |
| Tax Bill | $1,336 (2026) |
| Deeds & Mortgages | Aug 2005 Mortgage Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 979708992205 |
| Primary APN | 979708992205 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,068 sqft Finished Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,500 sqft (0.425 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 979708992205 |
|---|---|
| Street Address | 232 HARBOR RD |
| City | WANCHESE |
| State | NC |
| Zip | 27981-9560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 4 BLK: SEC: PL: A SL: 328 |
| Legal Subdivision | CLYDE DANIELS |
| Legal Lot Number | 4 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | NAGS HEAD |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 970602 |
Source: Dare County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1226 142ND ST E, TACOMA, WA 98445-2637 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2005 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Nov 3, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ROYAL UNITED MORTGAGE LLC |
| Jun 24, 2024 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 9, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2024 · Amount on Record |
| Deed Sale | Jun 24, 2024 · Amount on Record |
| Deed Document Number | 2024700140208 |
| Deed Book / Page | 2739 / 848 |
| Prior Transfer Date | Jan 2, 2020 |
| Prior Transfer Doc | 0700072904 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001645/267 |
|---|---|
| Date | Aug 12, 2005 |
| Book Page | 1645/267 |
| Instrument | 6176302 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 246 Months |
| Due | Feb 19, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC |
| Name | Verified Name |
|---|---|
| Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Document Number | 002819/274 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 2819/274 |
| Instrument | 700154140 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1400 FORUM BLVD STE 18, COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002349/402 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 2349/402 |
| Instrument | 700073316 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Jun 24, 2024 |
| Property Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Document Number | 002739/848 |
| Book / Page | 2739 / 848 |
| Map Reference | CAB A SL 328 |
| Instrument Date | Jun 18, 2024 |
| Instrument | 700140208 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Name | Verified Name |
|---|---|
| Address | 1226 142ND ST E, TACOMA, WA 98445-2637 |
| Document Number | 0700140209 |
|---|---|
| Date | Jun 24, 2024 |
| Instrument | 700140209 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Jan 9, 2020 |
| Property Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
| Document Number | 2347/171 |
| Book / Page | 2347 / 171 |
| Instrument Date | Jan 2, 2020 |
| Instrument | 700072904 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 HARBOR RD, WANCHESE, NC 27981-9560 |
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 | $1,336.00 | $337,400 (-) Land $68,700 Building $268,700 | $337,400 (-) Land $68,700 Building $268,700 |
| 2025 | $1,336.00 (+31.89%) | $337,400 (+89.44%) Land $68,700 Building $268,700 | |
| 2023 | $1,013.00 | $178,100 Land $63,800 Building $114,300 | |
| 2020 | $337,400 Land $68,700 Building $268,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · 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 Record 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.
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 | 0.3% 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 124 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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