386 River Rd, Arapahoe, NC 28510 Property Records

Pamlico County property record for 386 River Rd, Arapahoe, NC 28510

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 2009
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2021)
Tax Bill	$996 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`G101-21`

Property Details

APN / Parcel Number

Primary APN	`G101-21`
Alternative APNs	`6465436343000` `20119`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,152 sqft Finished Area

Exterior

Year Built	Built 2009
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	5,271 sqft (0.121 acres)
Porch	Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20119
Street Address	386 RIVER RD
City	ARAPAHOE
State	NC
Zip	28510-9502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH SIDE 1304 0006115 6465436343000
Jurisdiction	PAMLICO NC
Township / Civil Division	5
Census Block Group	2
Census Block	2006
Census Tract	950203

Owner

386 River Rd is owned by an individual who bought it in August 2021.

Source: Pamlico County records, as of August 21, 2023

Owner of Record	Individual Name on File
Mailing Address	662 MILLEDGE CIR, ATHENS, GA 30606-4366
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
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 2, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Deed Document Number	0000684812
Deed Book / Page	684 / 812
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	386 RIVER RD, ARAPAHOE, NC 28510-9502
Transaction Type	Mortgage
Record Updated	Sep 20, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000678/457
Date	Mar 31, 2021
Book Page	678/457

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PAMLICO NC
Recording Date	Aug 2, 2021
Property Address	386 RIVER RD, ARAPAHOE, NC 28510-9502
Document Number	000684/812
Book / Page	684 / 812
Instrument Date	Jul 8, 2021
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	662 MILLEDGE CIR, ATHENS, GA 30606-4366

Mortgage

Document Number	0000684815
Date	Aug 2, 2021
Instrument	684/815

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Pamlico County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$996.00	$147,675 Land $39,778 Building $107,897	$147,675 Land $39,778 Building $107,897

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 386 River Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	33 (2003–2018)
Claims Outside the SFHA	24 of 33
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 20 claims Hurricane Irene, Aug 2011 · 12 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 386 River Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	PAMLICO COUNTY WATER serves 19,665 people · EPA ID NC0469025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 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	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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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