686 E Ridge Rd, Shawboro, NC 27973 Property Records

Currituck County property record for 686 E Ridge Rd, Shawboro, NC 27973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,968 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Feb 2016)
Tax Bill	$1,728 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`8968-43-1620`

Property Details

APN / Parcel Number

Primary APN	`8968-43-1620`
Alternative APNs	`0042000022B0000` `000141480` `8968-43`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,968 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000141480
Street Address	686 E RIDGE RD
City	SHAWBORO
State	NC
Zip	27973-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	SAM FEREBEE/SMITHSON
Legal Subdivision	CITY OF CRAWFORD TOWNSHIP
Legal Lot Number	22B
Jurisdiction	CURRITUCK NC
Township / Civil Division	CRAWFORD
Census Block Group	1
Census Block	1025
Census Tract	110302

Owner

Source: Currituck County records, as of October 13, 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	686 E RIDGE RD, SHAWBORO, NC 27973-9728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit BAYPORT CU
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage KELLER MORTGAGE LLC
Feb 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage BAYPORT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2016 · Amount on Record
Deed Sale	Feb 23, 2016 · Amount on Record
Prior Sale	Jul 1, 2004 · Amount on Record
Deed Book / Page	1356 / 67
Last Transfer Date	Feb 25, 2016
Transfer Doc	0013720660
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	686 E RIDGE RD, SHAWBORO, NC 27973-9728
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017160452
Date	Nov 14, 2022
Book Page	1716/452
Instrument	379795

Lender

Name	BAYPORT CU
Type	Credit Union
Address	NEWPORT NEWS, VA 23606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Nov 13, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	686 E RIDGE RD, SHAWBORO, NC 27973-9728
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	ASSOCIATES TITLE, ASSOCIATES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016600248
Date	Nov 1, 2021
Book Page	1660/248
Instrument	370274

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	686 E RIDGE RD, SHAWBORO, NC 27973-9728
Document Number	0014340699
Instrument Date	Feb 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 E RIDGE RD SHAWBORO NC 279739728, SHAWBORO, NC 27973-9728

Mortgage

Document Number	0014340699
Date	Feb 21, 2018
Book Page	001434/000699
Instrument	334210

Lender

Name	BAYPORT CU
Type	Credit Union
Address	NEWPORT NEWS, VA 23606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 20, 2028

Tax Assessment & Valuation

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	$1,728.00 (+0.52%)	$236,100 (-) Land $62,500 Building $173,600
2024	$1,719.00 (+9.56%)	$236,100 (-) Land $62,500 Building $173,600
2023	$1,569.00 (+18.42%)	$236,100 (-) Land $62,500 Building $173,600	$236,100 (-) Land $62,500 Building $173,600
2022	$1,325.00	$236,100 Land $62,500 Building $173,600	$236,100 (-) Land $62,500 Building $173,600
2021			$236,100 Land $62,500 Building $173,600

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 June 18, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 120 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	120 in force
Nearby Flood Claims	19 (1999–2026)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 8 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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.09% 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	CURRITUCK COUNTY WATER SYSTEM serves 24,130 people · EPA ID NC0427010
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 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	1 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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