580 S Brightleaf Dr, Minnesott Beach (Arapahoe), NC 28510 Property Records

Pamlico County property record for 580 S Brightleaf Dr, Minnesott Beach, NC 28510

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,221 sqft · built 2023
Lot Size	1.34 acres (58,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,000 (Oct 2021)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Jul 2022 Construction Loan Oct 2021 Sale & Line of Credit
Flood Zone	Zone AO (high risk)
APN	`F09-33-382`

Property Details

APN / Parcel Number

Primary APN	`F09-33-382`
Alternative APNs	`644558166100` `25111`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,221 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	58,370 sqft (1.34 acres)
Garage Type	Attached
Garage Area	1,398 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	400 sqft
Deck Area	16 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	25111
Street Address	580 S BRIGHTLEAF DR
City	ARAPAHOE
State	NC
Zip	28510-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 382 & 383 MILL CREEK 644558166100
Legal Subdivision	MILL CREEK
Legal Phase	2
Legal Lot Number	382,383
Jurisdiction	PAMLICO NC
Township / Civil Division	5
Census Block Group	3
Census Block	3008
Census Tract	950204

Owner

Source: Pamlico County records, as of October 20, 2026

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	2 Individual Names on Record
Mailing Address	580 S BRIGHTLEAF DR, ARAPAHOE, NC 28510-1216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 18, 2021	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAMLICO NC
Property Address	580 S BRIGHTLEAF DR, MINNESOTT BEACH, NC 28510-1216
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000702/343
Date	Jul 27, 2022
Book Page	702/343

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.5%
Index	Other
Margin	3
Max Rate	9.5%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAMLICO NC
Recording Date	Oct 18, 2021
Property Address	580 S BRIGHTLEAF DR, MINNESOTT BEACH, NC 28510-1216
Document Number	000689/222
Book / Page	689 / 222
Instrument Date	Sep 20, 2021
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	364 GLORIETA DR, ST AUGUSTINE, FL 32095-7534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 MILL CREEK DR, MINNESOTT BEACH, NC 28510-4604

Mortgage

Document Number	0000689225
Date	Oct 18, 2021
Instrument	689/225

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,354.00 (+290.49%)	$540,948 (+280.53%) Land $142,155 Building $398,793	$540,948 (+280.53%) Land $142,155 Building $398,793
2023	$1,115.00	$142,155 Land $142,155	$142,155 Land $142,155

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	4 (2011–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 3 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 60% of the US · above 82% of North Carolina
Wildfire Likelihood	0.1% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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