93 Howard St, Ocracoke, NC 27960 Property Records

Hyde County property record for 93 Howard St, Ocracoke, NC 27960

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 893 sqft · built 1920
Lot Size	0.707 acres (30,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jul 2010)
Tax Bill	$3,869 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`9500298735`

Property Details

APN / Parcel Number

Primary APN	`9500298735`
Alternative APN	`529`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	893 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,800 sqft (0.707 acres)
Lot Dimensions	220 ft deep x 140 ft wide
Terrain	Marsh

Exterior Amenities

Porch	Patio
Porch Area	176 sqft
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	9500298735
Street Address	HOWARD ST
City	SWANQUARTER
State	NC
Zip	27885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRICULTUR
Legal Description	LOT & HOUSE
Legal Subdivision	HOWARD HEIRS SUBDIVISION
Jurisdiction	HYDE NC
Township / Civil Division	OCRACOKE
Census Block Group	3
Census Block	3032
Census Tract	920101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ocracoke Historic District listed 1990 · 247 contributing resources · NRIS 90001465

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	9711 WOODCHASE DR, FAIRFAX STATION, VA 22039-2947
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2010 · Amount on Record
Deed Sale	Jul 9, 2010 · Amount on Record
Prior Sale	Jan 26, 2010 · Amount on Record
Deed Book / Page	242 / 419
Prior Transfer Date	Jul 1, 2010
Prior Transfer Doc	000242/422
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HYDE NC
Property Address	93 HOWARD ST, OCRACOKE, NC 27960-1096
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000289/776
Date	Apr 28, 2021
Book Page	289/776
Instrument	409384

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

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	$3,869.00	$411,613 (-) Land $308,850 Building $102,763	$411,613 (-) Land $308,850 Building $102,763
2024	$3,869.00 (+29.48%)	$411,613 (+44.92%) Land $308,850 Building $102,763	$411,613 (+44.92%) Land $308,850 Building $102,763
2023	$2,988.00	$284,033 Land $210,000 Building $74,033	$284,033 Land $210,000 Building $74,033

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	Moderate above 62% of the US · above 85% 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	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 307 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