Dare County property record for 4328 Ridge Rd, Kitty Hawk, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,040 sqft · built 2018 |
| Lot Size | 0.367 acres (16,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Dec 2013) |
| Tax Bill | $3,247 (2026) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Aug 2018 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 986618405195 |
| Primary APN | 986618405195 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Finished Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Other |
| Lot Area | 16,000 sqft (0.367 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 986618405195 |
|---|---|
| Street Address | 4328 RIDGE RD |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949-4366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 8 BLK: SEC: PL: C SL: 117B |
| Legal Subdivision | RIDGE ROAD ESTATES |
| Legal Lot Number | 8 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970102 |
4328 Ridge Rd is owned and occupied by two individuals who acquired it in August 2018.
Source: Dare County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Aug 29, 2018 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Dec 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 5, 2023 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Sep 25, 2017 | Deed of Trust, Mortgage · Construction Mortgage SOUTHERN BANK & TRUST CO |
| Aug 29, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2013 · Amount on File |
| Deed Sale | Dec 11, 2013 · Amount on File |
| Prior Sale | Aug 19, 2013 · Amount on File |
| Deed Document Number | 20136337993 |
| Deed Book / Page | 1947 / 417 |
| Last Transfer Date | Aug 24, 2018 |
| Transfer Doc | 002257/150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 002813/654 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 2813/654 |
| Instrument | 700153236 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002257/0000000152 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 0000002257/0000000152 |
| Instrument | 000700056152 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | SC TITLE AGENCY LLC, JC TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 002656/546 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 2656/546 |
| Instrument | 700125011 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002661/78 |
|---|---|
| Date | Jan 5, 2023 |
| Book Page | 2661/78 |
| Instrument | 700125822 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | WAYNE, PA 19087 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2194/106 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 2194/106 |
| Instrument | 700044012 |
| Name | SOUTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | KITTY HAWK, NC 27949 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Aug 29, 2018 |
| Property Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
| Document Number | 002257/150 |
| Book / Page | 2257 / 150 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 000700056151 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4328 RIDGE RD, KITTY HAWK, NC 27949-4366 |
The 2026 property tax bill for 4328 Ridge Rd was $3,247, up 3.1% from the year before.
Source: Dare County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Kitty Hawk Town |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,247.00 (+3.11%) | $651,900 (-) Land $134,100 Building $517,800 | $651,900 Land $134,100 Building $517,800 |
| 2025 | $3,149.00 | $651,900 Land $134,100 Building $517,800 | |
| 2023 | $2,817.00 | $402,200 Land $74,000 Building $328,200 | |
| 2020 | $651,900 Land $134,100 Building $517,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4328 Ridge Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 4.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 371 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 371 in force |
| Nearby Flood Claims | 326 (1989–2021) |
| Claims Outside the SFHA | 11 of 326 |
| Most Recent Claim | Jun 2021 · rainfall accumulation |
| Claims by Event |
|
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 risk around 4328 Ridge Rd is high, ranking above 76% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DARE COUNTY WATER SYSTEM serves 28,732 people · EPA ID NC0428030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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