625 Cottage Ln, Corolla, NC 27927 Property Records

Currituck County property record for 625 Cottage Ln, Corolla, NC 27927

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,854 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Nov 2017)
Tax Bill	$4,403 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9944-13-4455`

Property Details

APN / Parcel Number

Primary APN	`9944-13-4455`
Alternative APNs	`117C00000210000` `000145940` `000168498` `9944-13`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,854 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	753 sqft
Patio Area	753 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000168498
Street Address	625 COTTAGE LN
City	COROLLA
State	NC
Zip	27927-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFO
Legal Description	LOT 21 CURRITUCK COTTAGES, CURRITUCK CLUB PH 11
Legal Subdivision	CURRITUCK COTTAGES
Legal Phase	11
Legal Lot Number	21
Jurisdiction	CURRITUCK NC
Township / Civil Division	POPLAR BRANCH
Census Block Group	1
Census Block	1117
Census Tract	110101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Currituck Shooting Club listed 1980 · 7 contributing resources · NRIS 80002816

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

625 Cottage Ln is owned and occupied by an individual who bought it in November 2017.

Source: Currituck County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	625 COTTAGE LN, COROLLA, NC 27927-2227
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
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Nov 8, 2017	Warranty Deed, Transfer · Conventional Mortgage POTOMAC MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2017 · Amount on File
Deed Sale	Nov 8, 2017 · Amount on File
Deed Book / Page	1424 / 891
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	625 COTTAGE LN, COROLLA, NC 27927-2227
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015270239
Date	Mar 26, 2020
Book Page	1527/239
Instrument	350110

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Nov 8, 2017
Property Address	625 COTTAGE LN, COROLLA, NC 27927-2227
Document Number	0014240891
Book / Page	1424 / 891
Map Reference	CAB J PG55&56
Instrument Date	Oct 26, 2017
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 SINEGAR PL, 321, GREAT FALLS, VA 22066-1141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24955 EARLSFORD DR, CHANTILLY, VA 20152-4385

Mortgage

Document Number	0014240893
Date	Nov 8, 2017
Book Page	1424/893

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 625 Cottage Ln was $4,403, up 0.3% from the year before.

Source: Currituck County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Currituck County
Unified School District	Currituck County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,403.00 (+0.27%)	$560,100 (-) Land $110,000 Building $450,100
2024	$4,391.00 (+11.82%)	$560,100 (-) Land $110,000 Building $450,100
2023	$3,927.00 (+19.29%)	$560,100 (-) Land $110,000 Building $450,100	$560,100 (-) Land $110,000 Building $450,100
2022	$3,292.00	$560,100 Land $110,000 Building $450,100	$560,100 (-) Land $110,000 Building $450,100
2021			$560,100 Land $110,000 Building $450,100

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

Flood

FEMA maps place 625 Cottage Ln in Zone X, an area of minimal flood risk, though there have been 390 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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 1,596 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,634 units insured incl. 38 condo units
Nearby Flood Claims	390 (1989–2026)
Claims Outside the SFHA	313 of 390
Most Recent Claim	Jan 2026 · rainfall accumulation
Claims by Event	Hurricane Dorian, Sep 2019 · 18 claims Hurricane Matthew, Oct 2016 · 64 claims Hurricane Irene, Aug 2011 · 20 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 625 Cottage Ln 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	SOUTHERN OUTER BANKS WTR SYST serves 8,209 people · EPA ID NC6027001
Water Source	Groundwater
Last State Inspection	Aug 2025
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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