Dare County property record for 4431 Ridge Rd, Kitty Hawk, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,097 sqft · built 2015 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $80,000 (Oct 2016) |
| Tax Bill | $3,123 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 986618418556 |
| Primary APN | 986618418556 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,097 sqft Finished Area |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,000 sqft (0.413 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 986618418556 |
|---|---|
| Street Address | 4431 RIDGE RD |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949-4305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 5A BLK: SEC: PL: E SL: 335 |
| Legal Subdivision | JOHN L BEACHAM DIV OF |
| Legal Lot Number | 5A |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970102 |
Source: Dare County records, as of October 20, 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 | 4431 RIDGE RD, KITTY HAWK, NC 27949-4305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Dec 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Oct 5, 2020 | Deed of Trust, Mortgage HOMETAP INVESTMENT PARTNERS II LP |
| Jun 24, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UBS BANK USA |
| May 16, 2022 | Deed of Trust, Mortgage · Line of Credit HOMETAP INVESTMENT PARTNERS III SPV LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2016 · Amount on Record |
| Deed Sale | Oct 11, 2016 · Amount on Record |
| Prior Sale | Mar 24, 2009 · Amount on Record |
| Deed Document Number | 2016700031094 |
| Deed Book / Page | 2125 / 25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4431 RIDGE RD, KITTY HAWK, NC 27949-4305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002211/677 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 2211/677 |
| Instrument | 700047251 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4431 RIDGE RD, KITTY HAWK, NC 27949-4305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | MERIDIAN NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 002419/789 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 2419/789 |
| Instrument | 700085032 |
| Name | HOMETAP INVESTMENT PARTNERS II LP |
|---|---|
| Type | Non-Lending Institution |
| Address | BOSTON, MA 02199 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4431 RIDGE RD, KITTY HAWK, NC 27949-4305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002307/750 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | 2307/750 |
| Instrument | 700065939 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 4431 RIDGE RD, KITTY HAWK, NC 27949-4305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4431 RIDGE RD, KITTY HAWK, NC 27949-4305 |
| Document Number | 0002619/70 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 2619/70 |
| Instrument | 700118080 |
| Name | HOMETAP INVESTMENT PARTNERS III SPV LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BOSTON, MA 02199 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $3,123.00 (+3.1%) | $627,000 (-) Land $141,400 Building $485,600 | $627,000 (-) Land $141,400 Building $485,600 |
| 2025 | $3,029.00 (+12.94%) | $627,000 (+63.75%) Land $141,400 Building $485,600 | |
| 2023 | $2,682.00 | $382,900 Land $78,000 Building $304,900 | |
| 2020 | $627,000 Land $141,400 Building $485,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 93% 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 47 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 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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