277 E Ridge Rd, Moyock, NC 27958 Property Records

Currituck County property record for 277 E Ridge Rd, Moyock, NC 27958

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,630 sqft · built 2002
Lot Size	5.57 acres (243,065 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`8969-23-3115`

Property Details

APN / Parcel Number

Primary APN	`8969-23-3115`
Alternative APNs	`0041000057H0000` `000034117` `8969-23`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,630 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	243,065 sqft (5.57 acres)
Garage Type	Detached
Garage Area	1,089 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000034117
Street Address	277 E RIDGE RD
City	MOYOCK
State	NC
Zip	27958-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHELPS LOT
Legal Subdivision	RUSSELL W PHELPS JR
Jurisdiction	CURRITUCK NC
Township / Civil Division	CRAWFORD
Census Block Group	1
Census Block	1001
Census Tract	110302

Owner

Source: Currituck County records, as of November 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	277 E RIDGE RD, MOYOCK, NC 27958-9622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Line of Credit CHARTWAY FCU
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2001
Deed Sale	Apr 16, 2001
Deed Document Number	0000523298
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	277 E RIDGE RD, MOYOCK, NC 27958-9622
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017300158
Date	Apr 4, 2023
Book Page	1730/158
Instrument	382195

Lender

Name	CHARTWAY FCU
Type	Credit Union
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 3, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	277 E RIDGE RD, MOYOCK, NC 27958-9622
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015840887
Date	Dec 15, 2020
Book Page	1584/887
Instrument	358587

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Currituck County assessment roll, as of January 1, 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	$2,330.00 (+13.33%)	$289,300 (-) Land $76,600 Building $212,700
2024	$2,056.00 (+9.77%)	$289,300 (-) Land $76,600 Building $212,700
2023	$1,873.00 (+18.92%)	$289,300 (-) Land $76,600 Building $212,700	$289,300 (-) Land $76,600 Building $212,700
2022	$1,575.00	$289,300 Land $76,600 Building $212,700	$289,300 (-) Land $76,600 Building $212,700
2021			$289,300 Land $76,600 Building $212,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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 120 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	120 in force
Nearby Flood Claims	19 (1999–2026)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 8 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

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

Wildfire Risk	Moderate above 52% of the US · above 74% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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