439 White Oak Rd, Windsor, NC 27983 Property Records

Bertie County property record for 439 White Oak Rd, Windsor, NC 27983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,226 sqft · built 2015
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on File
Tax Bill	$1,935 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6805-45-3298`

Property Details

APN / Parcel Number

Primary APN	`6805-45-3298`
Alternative APN	`28942`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,226 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Contemporary
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	87,556 sqft (2.01 acres)
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	28942
Street Address	439 WHITE OAK RD
City	WINDSOR
State	NC
Zip	27983-8007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MYERS
Legal Subdivision	JAMES WHITE
Jurisdiction	BERTIE NC
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1005
Census Tract	960401

Owner

439 White Oak Rd is owned and occupied by an individual who acquired it in July 2009.

Source: Bertie County records, as of April 27, 2026

Owner of Record	Individual Name on File
Mailing Address	439 WHITE OAK RD, WINDSOR, NC 27983-8007
Occupancy	Owner Occupied
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
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFILIATED MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2009
Deed Sale	Jul 10, 2009
Deed Book / Page	894 / 721
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERTIE NC
Recording Date	Sep 2, 2026
Property Address	439 WHITE OAK RD, WINDSOR, NC 27983-8007
Document Number	0000001264
Book / Page	1046 / 847
Instrument Date	Aug 21, 2026
Instrument	20261264
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 WHITE OAK RD, WINDSOR, NC 27983-8007

Mortgage

Document Number	0000001264,
Date	Sep 2, 2026
Book Page	1046/847
Instrument	20261264

Lender

Name	SOUTHERN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERTIE NC
Property Address	439 WHITE OAK RD, WINDSOR, NC 27983-8007
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	998/358
Date	May 17, 2021
Book Page	998/358

Lender

Name	AFFILIATED MORTGAGE SERVICES
Type	Mortgage Company
Address	ROCKY MOUNT, NC 27804

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 439 White Oak Rd was $1,935.

Source: Bertie County assessment roll, as of April 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,935.00	$199,994 (-) Land $17,265 Building $182,729	$199,994 (-) Land $17,265 Building $182,729
2024		$199,994 (-) Land $17,265 Building $182,729	$199,994 (-) Land $17,265 Building $182,729
2023		$199,994 Land $17,265 Building $182,729	$199,994 Land $17,265 Building $182,729
2022	$1,729.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 439 White Oak Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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 File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	8 (2010–2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 4 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 439 White Oak Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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	BERTIE COUNTY REGIONAL WATER serves 13,736 people · EPA ID NC0408085
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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