91 Cedar Rd, Ocracoke, NC 27960 Property Records

Hyde County property record for 91 Cedar Rd, Ocracoke, NC 27960

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 432 sqft · built 2000
Lot Size	0.229 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Oct 2020)
Tax Bill	$2,822 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`9500384173`

Property Details

APN / Parcel Number

Primary APN	`9500384173`
Alternative APN	`1102`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	432 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2008
Architectural Style	Cottage
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	168 sqft
Porch	Patio
Porch Area	80 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	9500384173
Street Address	91 CEDAR RD
City	OCRACOKE
State	NC
Zip	27960
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	LOT # 103 & 104 B1 FSILVER LAKE BEACH
Legal Subdivision	SILVER LAKE AND BEACH
Legal Lot Number	103-104
Jurisdiction	HYDE NC
Township / Civil Division	OCRACOKE
Census Block Group	3
Census Block	3015
Census Tract	920101

Owner

91 Cedar Rd is owned by two individuals who bought it in October 2020.

Source: Hyde County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	833 CEDAR DR, KILL DEVIL HILLS, NC 27948-8014
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Jul 23, 1993 · Amount on File
Deed Document Number	2020408697
Deed Book / Page	286 / 429
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HYDE NC
Recording Date	Oct 2, 2020
Property Address	91 CEDAR RD, OCRACOKE, NC 27960
Document Number	000286/429
Book / Page	286 / 429
Map Reference	MB 1 PG 13
Instrument Date	Aug 13, 2020
Instrument	408697
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 764, OCRACOKE, NC 27960-0764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	833 CEDAR DR, KILL DEVIL HILLS, NC 27948-8014

Mortgage

Document Number	0000408698
Date	Oct 2, 2020
Instrument	408698

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 91 Cedar Rd was $2,822.

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	$2,822.00	$300,242 Land $212,400 Building $87,842	$300,242 Land $212,400 Building $87,842
2023	$1,736.00	$162,220 Land $110,000 Building $52,220	$162,220 Land $110,000 Building $52,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 91 Cedar Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 91 Cedar Rd is high, ranking above 83% of the US, with a 0.3% 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	0.3% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
Brightspeed DSL	100 / 10
Ocracoke Cable TV Cable	10 / 1