356 Harbinger Ridge Rd, Harbinger, NC 27941 Property Records

Currituck County property record for 356 Harbinger Ridge Rd, Harbinger, NC 27941

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 3,090 sqft · built 1947
Lot Size	1.47 acres (64,033 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,046 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9846-16-1906`

Property Details

APN / Parcel Number

Primary APN	`9846-16-1906`
Alternative APNs	`0132000151B0000` `000161412` `9846-16`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	3,090 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	64,033 sqft (1.47 acres)
Shed	1 Shed
Shed Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000161412
Street Address	356 HARBINGER RIDGE RD
City	HARBINGER
State	NC
Zip	27941-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	MELSON LOT 2
Legal Subdivision	LIFE ESTATE OF DEALVE J MELSON
Legal Lot Number	2
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 April 10, 2026

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	356 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Oct 14, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	356 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017450201
Date	Aug 31, 2023
Book Page	1745/201
Instrument	384808

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Oct 14, 2021
Property Address	356 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753
Document Number	0016560880
Book / Page	1656 / 880
Map Reference	CAB D SL 342
Instrument Date	Oct 14, 2021
Instrument	369738
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4624 TAMARACK DR, KITTY HAWK, NC 27949-5919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 HARBINGER RIDGE RD, HARBINGER, NC 27941-9753

Mortgage

Document Number	0000369739
Date	Oct 14, 2021
Instrument	369739

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

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	$3,046.00 (+0.3%)	$448,600 (-) Land $69,700 Building $378,900
2024	$3,037.00 (+156.07%)	$448,600 (-) Land $69,700 Building $378,900
2023	$1,186.00 (+4.31%)	$448,600 (+167.5%) Land $69,700 Building $378,900	$448,600 (+167.5%) Land $69,700 Building $378,900
2022	$1,137.00	$167,700 Land $69,700 Building $98,000	$167,700 (-62.62%) Land $69,700 Building $98,000
2021			$448,600 Land $69,700 Building $378,900

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	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.04% 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.

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