86 Roscoe Rd, Wanchese, NC 27981 Property Records

Dare County property record for 86 Roscoe Rd, Wanchese, NC 27981

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1984
Lot Size	0.505 acres (22,000 sqft)
Owner	Company Name on File
Last Sale	$1,080,000 (Feb 2022)
Tax Bill	$1,013 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`979707578886`

Property Details

APN / Parcel Number

Primary APN	`979707578886`
Alternative APN	`023537002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	22,000 sqft (0.505 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	979707578886
Street Address	86 ROSCOE RD
City	WANCHESE
State	NC
Zip	27981
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: LOT 3 BLK: SEC: PL: I SL: 261
Legal Subdivision	JOHN M & DEBRA L GALLOP GILBER
Legal Lot Number	3
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	NAGS HEAD
Census Block Group	1
Census Block	1026
Census Tract	970602

Owner

86 Roscoe Rd is owned by a company that bought it in February 2022.

Source: Dare County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 267, WANCHESE, NC 27981-0267
Owner Type	Company
Vesting	Company

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 22, 2024	Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN BANK & TRUST CO
Feb 24, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SOUTHERN BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2022 · Amount on File
Deed Sale	Feb 24, 2022 · Amount on File
Prior Sale	Apr 20, 2016 · Amount on File
Deed Document Number	2022700113925
Deed Book / Page	2595 / 280
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	86 ROSCOE RD, WANCHESE, NC 27981
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 ROSCOE RD, WANCHESE, NC 27981-7002

Mortgage

Document Number	002725/424
Date	Mar 22, 2024
Book Page	2725/424
Instrument	700137651

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank
Address	704 US HIGHWAY 64, MANTEO, NC 27954

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Feb 24, 2022
Property Address	86 ROSCOE RD, WANCHESE, NC 27981
Document Number	002595/280
Book / Page	2595 / 280
Map Reference	CAB I SL 261
Instrument Date	Feb 22, 2022
Instrument	700113925
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 131, WANCHESE, NC 27981-0131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 267, WANCHESE, NC 27981-0267

Mortgage

Document Number	0700113926
Date	Feb 24, 2022
Instrument	700113926

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 86 Roscoe Rd was $1,013.

Source: Dare County assessment roll, as of October 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,013.00	$255,900 (-) Land $87,100 Building $168,800	$255,900 Land $87,100 Building $168,800
2025	$1,013.00	$255,900 Land $87,100 Building $168,800
2023	$769.00	$135,200 Land $66,600 Building $68,600
2020			$255,900 Land $87,100 Building $168,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 86 Roscoe Rd in Zone X, an area of minimal flood risk, though there have been 172 flood claims nearby since 1983.

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 File 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	Hurricane Irene, Aug 2011 · 88 claims Hurricane Isabel, Sep 2003 · 10 claims Severe Snowfall & Winter Storm, Mar 1993 · 30 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 86 Roscoe Rd is high, ranking above 83% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 83% of the US · above 98% 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.

Drinking Water

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

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 95 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

May also be available: T-Mobile.

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