49 Spinnaker Point Rd, Oriental, NC 28571 Property Records

Pamlico County property record for 49 Spinnaker Point Rd, Oriental, NC 28571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,708 sqft · built 2018
Lot Size	0.589 acres (25,657 sqft)
Owner	Individual Name on File
Last Sale	$917,500 (Aug 2022)
Tax Bill	$3,040 (2023)
Deeds & Mortgages	Apr 2018 Mortgage Feb 2021 Mortgage + 7 more
Flood Zone	Zone AE (high risk)
APN	`I081-16-6`

Property Details

APN / Parcel Number

Primary APN	`I081-16-6`
Alternative APNs	`6487667398000` `33869` `3856`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,708 sqft Finished Area

Exterior

Year Built	Built 2018
Lot Area	25,657 sqft (0.589 acres)
Porch	Open Porch
Porch Area	308 sqft
Deck Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	33869
Street Address	49 SPINNAKER POINT RD
City	ORIENTAL
State	NC
Zip	28571-9599
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 SPINNAKER POINT PCA 22-3 6487667398000
Legal Lot Number	6
Jurisdiction	PAMLICO NC
Township / Civil Division	2
Census Block Group	3
Census Block	3011
Census Tract	950203

Owner

49 Spinnaker Point Rd is owned and occupied by an individual who bought it in August 2022.

Source: Pamlico County records, as of August 25, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2018	Deed of Trust, Mortgage UNION BANK
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 5, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Oct 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Aug 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Aug 18, 2022	Warranty Deed, Transfer · Line of Credit FIRST CAROLINA BANK
Jul 3, 2018	Warranty Deed, Transfer
May 18, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on File
Deed Sale	Aug 18, 2022 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	0000703377
Deed Book / Page	703 / 377
Record Updated	Jun 7, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000636/0000000171
Date	Apr 12, 2018
Book Page	0000000636/0000000171
Instrument	002546470009

Lender

Name	UNION BANK
Type	Bank

Agreement

Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000675/316
Date	Feb 3, 2021
Book Page	675/316

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000643/448
Date	Dec 5, 2018
Book Page	643/448

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000653/632
Date	Oct 2, 2019
Book Page	653/632

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000662/687
Date	Jun 22, 2020
Book Page	662/687

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000652/452
Date	Aug 29, 2019
Book Page	652/452

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAMLICO NC
Recording Date	Aug 18, 2022
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Document Number	000703/377
Book / Page	703 / 377
Map Reference	CAB A SL 22-3
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599

Mortgage

Document Number	0000703380
Date	Aug 18, 2022
Instrument	703/380

Lender

Name	FIRST CAROLINA BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 17, 2032

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAMLICO NC
Recording Date	Jul 3, 2018
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Document Number	000638/849
Book / Page	638 / 849
Instrument Date	Jul 3, 2018
Instrument	002553000003
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAMLICO NC
Recording Date	May 18, 2017
Property Address	49 SPINNAKER POINT RD, ORIENTAL, NC 28571-9599
Document Number	000625/763
Book / Page	625 / 763
Instrument Date	May 9, 2017
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Tax	$172.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	374 GOLFVIEW RD APT 104, 104, NORTH PALM BEACH, FL 33408-3545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 PLANTATION PKWY, ORIENTAL, NC 28571-8836
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Pamlico County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,040.00	$464,201 Land $74,214 Building $389,987	$464,201 Land $74,214 Building $389,987

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

Flood

FEMA maps place 49 Spinnaker Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2021 · 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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 167 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	218 units insured incl. 51 condo units
Nearby Flood Claims	130 (1999–2025)
Claims Outside the SFHA	50 of 130
Most Recent Claim	Oct 2025 · river or lake flooding
Claims by Event	Hurricane Florence, Sep 2018 · 74 claims Hurricane Irene, Aug 2011 · 32 claims Hurricane Isabel, Sep 2003 · 17 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 49 Spinnaker Point Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	PAMLICO COUNTY WATER serves 19,665 people · EPA ID NC0469025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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