245 Harbinger Ridge Rd, Harbinger, NC 27941 Property Records

Currituck County property record for 245 Harbinger Ridge Rd, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,270 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Sep 2019)
Tax Bill	$2,329 (2025)
Deeds & Mortgages	May 2022 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9836-88-7519`

Property Details

APN / Parcel Number

Primary APN	`9836-88-7519`
Alternative APNs	`012500000120000` `000152189` `9836-88`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,270 sqft Total Area
Basement Area	616 sqft
Finished Basement	616 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Pile
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000152189
Street Address	245 HARBINGER RIDGE RD
City	HARBINGER
State	NC
Zip	27941-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Lot Number	12
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1039
Census Tract	110404

Owner

245 Harbinger Ridge Rd is owned and occupied by an individual who bought it in September 2019.

Source: Currituck County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	245 HARBINGER RIDGE RD, HARBINGER, NC 27941-9752
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
May 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 11, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2019 · Amount on File
Deed Sale	Sep 11, 2019 · Amount on File
Prior Sale	Aug 11, 2006 · Amount on File
Deed Document Number	2019345494
Deed Book / Page	1497 / 852
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	245 HARBINGER RIDGE RD, HARBINGER, NC 27941-9752
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016930691
Date	May 10, 2022
Book Page	1693/691
Instrument	375741

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Sep 11, 2019
Property Address	245 HARBINGER RIDGE RD, HARBINGER, NC 27941-9752
Document Number	0014970852
Book / Page	001497 / 000852
Instrument Date	Sep 9, 2019
Instrument	345494
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$670.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1191 MAHANOY PLANE PA 17949, MAHANOY PLANE, PA 17949

Mortgage

Document Number	14970856
Date	Sep 11, 2019
Book Page	001497/000856
Instrument	345495

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 245 Harbinger Ridge Rd was $2,329, up 0.4% 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	$2,329.00 (+0.39%)	$333,000 (-) Land $65,000 Building $268,000
2024	$2,320.00 (+9.9%)	$333,000 (-) Land $65,000 Building $268,000
2023	$2,111.00 (+19.27%)	$333,000 (-) Land $65,000 Building $268,000	$333,000 (-) Land $65,000 Building $268,000
2022	$1,770.00	$333,000 Land $65,000 Building $268,000	$333,000 (-) Land $65,000 Building $268,000
2021			$333,000 Land $65,000 Building $268,000

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

Flood

FEMA maps place 245 Harbinger Ridge Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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 135 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	135 in force
Nearby Flood Claims	11 (2011–2019)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2019 · Hurricane Dorian
Claims by Event	Hurricane Irene, Aug 2011 · 5 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 245 Harbinger Ridge Rd is moderate, ranking above 63% 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 63% of the US · above 86% of North Carolina
Wildfire Likelihood	0.1% 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	CURRITUCK COUNTY WATER SYSTEM serves 24,130 people · EPA ID NC0427010
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 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	1 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 24 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

May also be available: T-Mobile.

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