398 E Bay Ridge Rd, Harrells, NC 28444 Property Records

Bladen County property record for 398 E Bay Ridge Rd, Harrells, NC 28444

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,326 sqft · built 1976
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,000 (May 2021)
Tax Bill	$1,651 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`0137-40-47-0493`

Property Details

APN / Parcel Number

Primary APN	`0137-40-47-0493`
Alternative APNs	`1374-04-70-4938` `0019397` `0548664`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,326 sqft Base Area
1st Floor Area	2,326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Wood Shingle
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	204 ft deep x 192 ft wide

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	52 sqft
Patio Area	382 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	0548664
Street Address	398 E BAY RIDGE RD
City	HARRELLS
State	NC
Zip	28444-8700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	137404704938 LOT 124 & 171A BAY RIDGE RD
Legal Subdivision	BAY TREE LAKES
Legal Lot Number	1,24-17
Jurisdiction	BLADEN NC
Township / Civil Division	LAKE CREEK
Census Block Group	1
Census Block	1027
Census Tract	950101

Owner

Source: Bladen County records, as of October 8, 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	398 E BAY RIDGE RD, HARRELLS, NC 28444-8700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Dec 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Dec 12, 2018 · Amount on Record
Deed Document Number	20211720
Deed Book / Page	818 / 425
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLADEN NC
Recording Date	May 14, 2021
Property Address	398 E BAY RIDGE RD, HARRELLS, NC 28444-8700
Document Number	818/425
Book / Page	818 / 425
Map Reference	MB 10 PG 30-32
Instrument Date	May 13, 2021
Instrument	1720
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$416.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 BAY RIDGE RD, HARRELLS, NC 28444-8700

Mortgage

Document Number	1721
Date	May 14, 2021
Instrument	1721

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Max Rate	9.15%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLADEN NC
Recording Date	Dec 12, 2018
Property Address	398 E BAY RIDGE RD, HARRELLS, NC 28444-8700
Document Number	782/335
Book / Page	782 / 335
Instrument Date	Dec 11, 2018
Instrument	3256
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 S HORSEPEN RD, HARRELLS, NC 28444-8093

Tax Assessment & Valuation

Source: Bladen County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,651.00 (+2.29%)	$184,550 (-) Land $49,570 Building $134,980	$184,546 (-) Land $49,570 Building $134,976
2025	$1,614.00	$184,550 (-) Land $49,570 Building $134,980	$184,546 (-) Land $49,570 Building $134,976
2023	$1,614.00	$184,550 Land $49,570 Building $134,980	$184,546 Land $49,570 Building $134,976

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 December 5, 2019 · 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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	14 (1999–2024)
Claims Outside the SFHA	8 of 14
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 9 claims Hurricane Matthew, Oct 2016 · 3 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 59% of the US · above 82% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Star Communications Fiber	1,000 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

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