Dare County property record for 640 Old Wharf Rd, Wanchese, NC 27981
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 972 sqft · built 1976 |
| Lot Size | 0.402 acres (17,500 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $894 (2026) |
| Deeds & Mortgages | Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 979706480331 |
| Primary APN | 979706480331 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 972 sqft Finished Area |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,500 sqft (0.402 acres) |
| Garage Type | Detached |
| Cooling System | Other |
|---|---|
| Heating Fuel | Electric |
| Account Number | 979706480331 |
|---|---|
| Street Address | 640 OLD WHARF RD |
| City | WANCHESE |
| State | NC |
| Zip | 27981-9515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: BLK: SEC: PL: SL: |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | NAGS HEAD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 970602 |
Source: Dare 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 | Individual Name on Record |
|---|---|
| Mailing Address | 640 OLD WHARF RD, WANCHESE, NC 27981-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 640 OLD WHARF RD, WANCHESE, NC 27981-9515 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000002245/0000000184 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 0000002245/0000000184 |
| Instrument | 000700053830 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Credit Union |
| 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 |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $894.00 | $225,800 (-) Land $82,400 Building $143,400 | $225,800 (-) Land $82,400 Building $143,400 |
| 2025 | $894.00 (+24.69%) | $225,800 (+79.21%) Land $82,400 Building $143,400 | |
| 2023 | $717.00 | $126,000 Land $63,000 Building $63,000 | |
| 2020 | $225,800 Land $82,400 Building $143,400 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 183 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 183 in force |
| Nearby Flood Claims | 172 (1983–2023) |
| Claims Outside the SFHA | 3 of 172 |
| Most Recent Claim | Apr 2023 · tidal / storm surge |
| 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 77% of the US · above 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.4% 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 128 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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