251 Neck Rd, Shiloh, NC 27974 Property Records

Camden County property record for 251 Neck Rd, Shiloh, NC 27974

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,438 sqft · built 2005
Lot Size	0.948 acres (41,295 sqft)
Owner	2 Individual Names on File
Last Sale	$185,500 (Apr 2004)
Tax Bill	$5,786 (2026)
Deeds & Mortgages	Jul 2021 Reverse Mortgage Jul 2019 Reverse Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03.8952.04.91.8753.0000`

Property Details

APN / Parcel Number

Primary APN	`03.8952.04.91.8753.0000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,438 sqft Living Area
1st Floor Area	4,258 sqft
Attic	Attic
Attic Area	880 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	41,295 sqft (0.948 acres)
Lot Dimensions	336 ft deep x 123 ft wide
Garage Type	Attached
Garage Area	1,362 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	379 sqft
Deck Area	682 sqft
Boat House	320 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	251 NECK RD
City	SHILOH
State	NC
Zip	27974-7205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R32
Legal Description	SHILOH SHORES
Legal Lot Number	4
Jurisdiction	CAMDEN NC
Township / Civil Division	SHILOH
Census Block Group	2
Census Block	2011
Census Tract	950102

Owner

251 Neck Rd is owned and occupied by two individuals who bought it in April 2004.

Source: Camden County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	251 NECK RD, SHILOH, NC 27974-7205
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
Jul 16, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 12, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2004 · Amount on File
Deed Sale	Apr 18, 2004 · Amount on File
Deed Book / Page	191 / 823
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NC
Property Address	251 NECK RD, SHILOH, NC 27974-7205
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	FNC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 NECK RD, SHILOH, NC 27974-7205

Mortgage

Document Number	412/493
Date	Jul 16, 2021
Book Page	412/493

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	928 Months
Due	Nov 20, 2098

Interest

Rate Type	Adjustable Rate
Rate	1.69%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NC
Property Address	251 NECK RD, SHILOH, NC 27974-7205
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0378/755
Date	Jul 12, 2019
Book Page	0378/755
Instrument	207364

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	952 Months
Due	Nov 20, 2098

Interest

Rate Type	Adjustable Rate
Rate	3.86%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 251 Neck Rd was $5,786.

Source: Camden County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,786.00	$781,841 (-) Land $168,654 Building $613,187	$781,841
2025		$781,841 Land $168,654 Building $613,187
2024	$5,890.00
2023		$781,841 Land $168,654 Building $613,187	$781,841 Land $168,654 Building $613,187

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

Flood

FEMA maps place 251 Neck Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 21, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 84 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	17 (1999–2020)
Claims Outside the SFHA	6 of 17
Most Recent Claim	Aug 2020 · Hurricane Isaias
Claims by Event	Hurricane Matthew, Oct 2016 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 251 Neck Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	SOUTH CAMDEN WTR & SWR DISTRCT serves 9,717 people · EPA ID NC0415015
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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