745 E Ridge Rd, Shawboro, NC 27973 Property Records

Currituck County property record for 745 E Ridge Rd, Shawboro, NC 27973

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,643 sqft · built 2021
Lot Size	3.03 acres (132,117 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,406 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`8968-41-7999`

Property Details

APN / Parcel Number

Primary APN	`8968-41-7999`
Alternative APNs	`0042000030E0000` `000163495` `8968-41`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,643 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	132,117 sqft (3.03 acres)
Shed	1 Shed
Shed Area	360 sqft
Utility Building	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000163495
Street Address	745 E RIDGE RD
City	SHAWBORO
State	NC
Zip	27973-9607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 4 EAST RIDGE MANOR MINOR SUBD (P/166)
Legal Subdivision	EAST RIDGE MANOR
Legal Lot Number	4
Jurisdiction	CURRITUCK NC
Township / Civil Division	CRAWFORD
Census Block Group	1
Census Block	1000
Census Tract	110302

Owner

Source: Currituck County records, as of April 10, 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	745 E RIDGE RD, SHAWBORO, NC 27973-9607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 28, 2022	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 22, 2021	Warranty Deed, Transfer · Line of Credit TOWNEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2022
Deed Sale	Mar 28, 2022
Prior Sale	Jan 22, 2021 · Amount on Record
Deed Document Number	2022374606
Deed Book / Page	1687 / 2
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	745 E RIDGE RD, SHAWBORO, NC 27973-9607
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 E RIDGE RD, SHAWBORO, NC 27973-9607

Mortgage

Document Number	0018470163
Date	Mar 17, 2026
Book Page	1847/163
Instrument	401502

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Mar 28, 2022
Property Address	745 E RIDGE RD, SHAWBORO, NC 27973-9607
Document Number	0016870002
Book / Page	1687 / 2
Map Reference	CAB P SL 166
Instrument Date	Mar 17, 2022
Instrument	374606
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 333, MOYOCK, NC 27958-0333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 E RIDGE RD, SHAWBORO, NC 27973-9607

Mortgage

Document Number	0000374607
Date	Mar 28, 2022
Instrument	374607

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CURRITUCK NC
Recording Date	Jan 22, 2021
Property Address	745 E RIDGE RD, SHAWBORO, NC 27973-9607
Document Number	0015930855
Book / Page	1593 / 855
Map Reference	CAB P SL 166
Instrument Date	Jan 19, 2021
Instrument	359979
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Tax	$954.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 TULLS BAY DR, MOYOCK, NC 27958-9280

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 833, MOYOCK, NC 27958-0833
Investor	Possibly a Property Investor

Mortgage

Document Number	0000359980
Date	Jan 22, 2021
Instrument	359980

Lender

Name	TOWNEBANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,406.00 (+0.23%)	$664,100 (+0.06%) Land $69,000 Building $595,100
2024	$4,396.00 (+11.83%)	$663,700 (+2.25%) Land $69,000 Building $594,700
2023	$3,931.00 (+24.32%)	$649,100 (+2.12%) Land $69,000 Building $580,100	$649,100 (+2.12%) Land $69,000 Building $580,100
2022	$3,162.00	$635,600 Land $69,000 Building $566,600	$635,600 (-4.29%) Land $69,000 Building $566,600
2021			$664,100 Land $69,000 Building $595,100

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 500 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 57% of the US · above 79% 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	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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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