74 Lake Dr, Ocracoke, NC 27960 Property Records

Hyde County property record for 74 Lake Dr, Ocracoke, NC 27960

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,399 sqft · built 2018
Lot Size	0.159 acres (6,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Nov 2025)
Tax Bill	$4,679 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`9500680091`

Property Details

APN / Parcel Number

Primary APN	`9500680091`
Alternative APN	`13238`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,399 sqft Heated Area
Flooring	Wood

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,947 sqft (0.159 acres)
Porch	Patio
Porch Area	132 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	9500680091
Street Address	74 LAKE DR
City	OCRACOKE
State	NC
Zip	27960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #65-BEACHSIDE EXT
Legal Subdivision	BEACHSIDE EXT
Legal Lot Number	65-B
Jurisdiction	HYDE NC
Township / Civil Division	OCRACOKE
Census Block Group	3
Census Block	3003
Census Tract	920101

Owner

Source: Hyde County records, as of May 27, 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	1758 REEDY CREEK CT, LATTA, SC 29565-4757
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Nov 9, 2018	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Nov 9, 2018 · Amount on Record
Deed Document Number	2025413625
Deed Book / Page	310 / 409
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HYDE NC
Property Address	74 LAKE DR, OCRACOKE, NC 27960
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000293/243
Date	Nov 22, 2021
Book Page	293/243
Instrument	410028

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HYDE NC
Recording Date	Nov 24, 2025
Property Address	74 LAKE DR, OCRACOKE, NC 27960
Document Number	000310/409
Book / Page	310 / 409
Instrument Date	Nov 20, 2025
Instrument	413625
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3621 KIEFER RD, CHESTER, VA 23831-1814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1758 REEDY CREEK CT, LATTA, SC 29565-4757

Mortgage

Document Number	0000413626
Date	Nov 24, 2025
Instrument	413626

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HYDE NC
Recording Date	Nov 9, 2018
Property Address	74 LAKE DR, OCRACOKE, NC 27960
Document Number	000278/907
Book / Page	278 / 907
Map Reference	CAB A SL 69B
Instrument Date	Nov 9, 2018
Instrument	407074
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1446, KILL DEVIL HILLS, NC 27948-1446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3621 KIEFER RD, CHESTER, VA 23831-1814

Mortgage

Document Number	0000407075
Date	Nov 9, 2018
Instrument	407075

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Mortgage

Document Number	278/909
Date	Nov 9, 2018
Book Page	278/909
Instrument	407075

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Hyde County assessment roll, as of June 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,679.00 (+0.02%)	$497,740 (-) Land $174,960 Building $322,780	$497,740 (-) Land $174,960 Building $322,780
2024	$4,678.00 (+37.67%)	$497,740 (+32.61%) Land $174,960 Building $322,780	$497,740 (+32.61%) Land $174,960 Building $322,780
2023	$3,398.00	$375,336 Land $115,000 Building $260,336	$375,336 Land $115,000 Building $260,336

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 15, 2022 · 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	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 631 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	672 units insured incl. 41 condo units
Nearby Flood Claims	382 (1999–2023)
Claims Outside the SFHA	11 of 382
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Dorian, Sep 2019 · 316 claims Hurricane Matthew, Oct 2016 · 35 claims Hurricane Dennis, Sep 1999 · 5 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	High above 84% of the US · above 98.1% of North Carolina
Wildfire Likelihood	0.3% 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	OCRACOKE SANITARY DISTRICT serves 900 people · EPA ID NC0448020
Water Source	Groundwater
Last State Inspection	Jun 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ocracoke Cable TV Cable	10 / 1

May also be available: AT&T, Brightspeed.

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