324 Harbinger Ridge Rd, Harbinger, NC 27941 Property Records

Currituck County property record for 324 Harbinger Ridge Rd, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,607 sqft · built 1991
Lot Size	0.689 acres (30,056 sqft)
Owner	Company Name on Record
Last Sale	$423,000 (Jan 2026)
Tax Bill	$1,687 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9846-07-5512`

Property Details

APN / Parcel Number

Primary APN	`9846-07-5512`
Alternative APNs	`125A00000030000` `000075533` `9846-07`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,607 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Lot Area	30,056 sqft (0.689 acres)
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000075533
Street Address	324 HARBINGER RIDGE RD
City	HARBINGER
State	NC
Zip	27941-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 CYPRESS POINT I
Legal Subdivision	CYPRESS POINT I
Legal Lot Number	3
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1036
Census Tract	110404

Owner

Source: Currituck County records, as of January 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	302 W WALKER ST, KILL DEVIL HILLS, NC 27948-8140
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORP
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on Record
Deed Sale	Jan 13, 2026 · Amount on Record
Deed Document Number	400118
Deed Book / Page	1838 / 852
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Jan 13, 2026
Property Address	324 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753
Document Number	0018380852
Book / Page	1838 / 852
Map Reference	CAB D SL 43-45
Instrument Date	Jan 13, 2026
Instrument	400118
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$846.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Living Trust
Address	302 W WALKER ST, KILL DEVIL HILLS, NC 27948-8140

Mortgage

Document Number	0000400119
Date	Jan 13, 2026
Instrument	400119

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	324 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753
Document Number	0016120072
Instrument Date	Mar 26, 2021
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 HARBINGER RIDGE RD HARBINGER NC 279419753, HARBINGER, NC 27941-9753

Mortgage

Document Number	0016120072
Date	Mar 31, 2021
Book Page	001612/000072
Instrument	362665

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 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	$1,687.00 (+0.54%)	$229,400 (-) Land $51,100 Building $178,300
2024	$1,678.00 (+9.6%)	$229,400 (-) Land $51,100 Building $178,300
2023	$1,531.00 (+18.32%)	$229,400 (-) Land $51,100 Building $178,300	$229,400 (-) Land $51,100 Building $178,300
2022	$1,294.00	$229,400 Land $51,100 Building $178,300	$229,400 (-) Land $51,100 Building $178,300
2021			$229,400 Land $51,100 Building $178,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.07% 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.

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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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