877 E Ridge Rd, Shawboro, NC 27973 Property Records

Currituck County property record for 877 E Ridge Rd, Shawboro, NC 27973

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 2004
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Aug 2013)
Tax Bill	$2,922 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8967-29-9965`

Property Details

APN / Parcel Number

Primary APN	`8967-29-9965`
Alternative APNs	`0043000001B0000` `000132325` `8967-29`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,596 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	41,818 sqft (0.96 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000132325
Street Address	877 E RIDGE RD
City	SHAWBORO
State	NC
Zip	27973-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 1 INGE EAST RIDGE SOUTH
Legal Subdivision	INGE EAST RIDGE SOUTH
Legal Lot Number	1
Jurisdiction	CURRITUCK NC
Township / Civil Division	CRAWFORD
Census Block Group	1
Census Block	1000
Census Tract	110302

Owner

Source: Currituck County records, as of July 20, 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	877 E RIDGE RD, SHAWBORO, NC 27973-9609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Jul 1, 2025	Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LENDING INC
Aug 19, 2022	Deed of Trust, Mortgage · VA Mortgage CBM MORTGAGE LLC
Nov 4, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2013 · Amount on Record
Deed Sale	Aug 5, 2013 · Amount on Record
Deed Book / Page	1261 / 525
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Recording Date	May 29, 2026
Property Address	877 E RIDGE RD, SHAWBORO, NC 27973-9609
Document Number	0000403273
Book / Page	1858 / 732
Instrument Date	May 26, 2026
Instrument	2026403273
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 E RIDGE RD, SHAWBORO, NC 27973-9609

Mortgage

Document Number	0000403273,
Date	May 29, 2026
Book Page	1858/732
Instrument	2026403273

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	877 E RIDGE RD, SHAWBORO, NC 27973-9609
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	SILK TITLE UTAH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 E RIDGE RD, SHAWBORO, NC 27973-9609

Mortgage

Document Number	0018160413
Date	Jul 1, 2025
Book Page	1816/413
Instrument	396470

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	877 E RIDGE RD, SHAWBORO, NC 27973-9609
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017070297
Date	Aug 19, 2022
Book Page	1707/297
Instrument	378155

Lender

Name	CBM MORTGAGE LLC
Type	Mortgage Company
Address	FRONT ROYAL, VA 22630

Agreement

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

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CURRITUCK NC
Property Address	877 E RIDGE RD, SHAWBORO, NC 27973-9609
Document Number	0015910890
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 E RIDGE RD SHAWBORO NC 279739609, SHAWBORO, NC 27973-9609

Mortgage

Document Number	0015910890
Date	Jan 15, 2021
Book Page	001591/000890
Instrument	359685

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 14, 2046

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	$2,922.00 (-1.38%)	$428,600 (-) Land $61,300 Building $367,300
2024	$2,963.00 (+79.79%)	$428,600 (+77.55%) Land $61,300 Building $367,300
2023	$1,648.00 (+3,196%)	$241,400 (-) Land $61,300 Building $180,100	$241,400 (-) Land $61,300 Building $180,100
2022	$50.00	$241,400 Land $61,300 Building $180,100	$241,400 (-43.68%) Land $61,300 Building $180,100
2021			$428,600 Land $61,300 Building $367,300

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 minimal risk
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	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 11 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: Mediacom Xtream.

Cell Coverage

5G (outdoors only) and 4G LTE

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