396 E Ridge Rd, Shawboro, NC 27973 Property Records

Currituck County property record for 396 E Ridge Rd, Shawboro, NC 27973

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,999 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Oct 2024)
Tax Bill	$1,962 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8969-20-4155`

Property Details

APN / Parcel Number

Primary APN	`8969-20-4155`
Alternative APNs	`004100000930000` `000011169` `000171678` `8969-20`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,999 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000171678
Street Address	396 E RIDGE RD
City	SHAWBORO
State	NC
Zip	27973-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COWELL-SPUILL
Legal Subdivision	CHARLIE S WOOD AND WIFE VIOLO P WOOD
Legal Lot Number	93
Jurisdiction	CURRITUCK NC
Township / Civil Division	CRAWFORD
Census Block Group	1
Census Block	1025
Census Tract	110302

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	Individual Name on Record
Mailing Address	396 E RIDGE RD, SHAWBORO, NC 27973-9741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
Oct 8, 2024	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Dec 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2024 · Amount on Record
Deed Sale	Oct 8, 2024 · Amount on Record
Deed Document Number	2024391593
Deed Book / Page	1786 / 427
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	396 E RIDGE RD, SHAWBORO, NC 27973-9741
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016120012
Date	Mar 31, 2021
Book Page	1612/12
Instrument	362653

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	RESTON, VA 20191

Agreement

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

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Oct 8, 2024
Property Address	396 E RIDGE RD, SHAWBORO, NC 27973-9741
Document Number	0017860427
Book / Page	1786 / 427
Instrument Date	Sep 25, 2024
Instrument	391593
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 E RIDGE RD, SHAWBORO, NC 27973-9741

Mortgage

Document Number	0000391594
Date	Oct 8, 2024
Instrument	391594

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	396 E RIDGE RD, SHAWBORO, NC 27973-9741
Document Number	0014290633
Book / Page	001429 / 000633
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	396 E RIDGE RD SHAWBORO NC 279739741, SHAWBORO, NC 27973-9741

Mortgage

Document Number	0014290633
Date	Dec 28, 2017
Book Page	001429/000633
Instrument	333273

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 27, 2037

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	$1,962.00 (+3.59%)	$259,000 (-) Land $62,500 Building $196,500
2024	$1,894.00 (+9.67%)	$259,000 (-) Land $62,500 Building $196,500
2023	$1,727.00 (+20.26%)	$259,000 (-) Land $62,500 Building $196,500	$259,000 (-) Land $62,500 Building $196,500
2022	$1,436.00	$259,000 Land $62,500 Building $196,500	$259,000 (-) Land $62,500 Building $196,500
2021			$259,000 Land $62,500 Building $196,500

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 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 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.07% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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