407 Whittaker Point Rd, Oriental, NC 28571 Property Records

Pamlico County property record for 407 Whittaker Point Rd, Oriental, NC 28571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,876 sqft · built 1986
Lot Size	0.548 acres (23,871 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,336 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2024 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`J082-479-9`

Property Details

APN / Parcel Number

Primary APN	`J082-479-9`
Alternative APNs	`6497352662000` `32477`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,876 sqft Finished Area
Basement Area	2,688 sqft
Unfinished Basement	2,688 sqft
Flooring	Concrete/Cement
Interior Walls	Block
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,871 sqft (0.548 acres)
Lot Dimensions	257 ft deep x 90 ft wide
Porch	Patio
Porch Area	462 sqft
Deck Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	32477
Street Address	407 WHITTAKER POINT RD
City	ORIENTAL
State	NC
Zip	28571-9667
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 YACHT CLUB POINT WHITTAKER POINT ROAD 0003125 6497352662000
Legal Subdivision	PC 10-89
Legal Lot Number	9
Jurisdiction	PAMLICO NC
Township / Civil Division	2
Census Block Group	1
Census Block	1011
Census Tract	950202

Owner

Source: Pamlico County records, as of August 25, 2025

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	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 3, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2000
Deed Sale	Dec 11, 2000
Prior Sale	Aug 15, 1996
Deed Book / Page	359 / 697
Last Transfer Date	Aug 5, 2010
Transfer Doc	546/177
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Recording Date	Jul 23, 2026
Property Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Document Number	0760000452
Book / Page	760 / 452
Instrument Date	Jul 13, 2026
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	DATA SEARCH INC, DATA SEARCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667

Mortgage

Document Number	0760000452,
Date	Jul 23, 2026
Book Page	760/452

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667

Mortgage

Document Number	000723/784
Date	Mar 22, 2024
Book Page	723/784

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	665/32
Date	Aug 3, 2020
Book Page	665/32

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	624/709
Date	Apr 19, 2017
Book Page	624/709

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	643/373
Date	Dec 3, 2018
Book Page	643/373

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	407 WHITTAKER POINT RD, ORIENTAL, NC 28571-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	665/21
Date	Aug 3, 2020
Book Page	665/21

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Pamlico County assessment roll, as of August 25, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,336.00 (+2.3%)	$372,764 (-) Land $119,190 Building $253,574	$372,764 (-) Land $119,190 Building $253,574
2023	$3,261.00	$372,764 Land $119,190 Building $253,574	$372,764 Land $119,190 Building $253,574

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 March 10, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 302 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	324 units insured incl. 22 condo units
Nearby Flood Claims	838 (1983–2019)
Claims Outside the SFHA	205 of 838
Most Recent Claim	Sep 2019 · Hurricane Dorian
Claims by Event	Hurricane Florence, Sep 2018 · 270 claims Hurricane Irene, Aug 2011 · 260 claims Hurricane Isabel, Sep 2003 · 208 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 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.06% 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	ORIENTAL WATER SYSTEM serves 1,136 people · EPA ID NC0469020
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Whittaker Point Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures