97 Osprey Ln, Roper, NC 27970 Property Records

Washington County property record for 97 Osprey Ln, Roper, NC 27970

Property Summary

Property Type	Single Family Home
Details	1,056 sqft · built 2021
Lot Size	0.569 acres (24,786 sqft)
Owner	2 Individual Names on File
Last Sale	$87,500 (Jul 2020)
Tax Bill	$2,722 (2026)
Deeds & Mortgages	Nov 2020 Construction Loan Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7800.00-73-4715`

Property Details

APN / Parcel Number

Primary APN	`7800.00-73-4715`
Alternative APN	`10036`

Interior

Total Rooms	6 Rooms
Building Area	1,056 sqft Base Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	24,786 sqft (0.569 acres)

Location & Zoning

Account Number	10036
Street Address	97 OSPREY LN
City	ROPER
State	NC
Zip	27970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MACKEYS BAY SUB
Jurisdiction	WASHINGTON NC
Township / Civil Division	LEES MILL
Census Block Group	5
Census Block	5004
Census Tract	950100

Owner

97 Osprey Ln is owned by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	8400 HEMPTON CROSS DR, WAKE FOREST, NC 27587-4156
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Nov 16, 2020	Deed of Trust, Mortgage · Construction Mortgage AFFILIATED MORTGAGE SERVICES
Jul 27, 2020	Warranty Deed, Transfer · Commercial Mortgage SOUTHERN BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	May 3, 2006 · Amount on File
Deed Document Number	2020314474
Deed Book / Page	528 / 617
Prior Transfer Date	Jul 20, 2015
Prior Transfer Doc	000495/307
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NC
Property Address	97 OSPREY LN, ROPER, NC 27970-9213
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000530/872
Date	Nov 16, 2020
Book Page	530/872
Instrument	314914

Lender

Name	AFFILIATED MORTGAGE SERVICES
Type	Mortgage Company
Address	ROCKY MOUNT, NC 27804

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	1-Year CMT
Max Rate	7.62%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON NC
Recording Date	Jul 27, 2020
Property Address	97 OSPREY LN, ROPER, NC 27970-9213
Document Number	000528/617
Book / Page	528 / 617
Map Reference	CAB 2 SL 156A
Instrument Date	Jul 13, 2020
Instrument	314474
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 HERTZLER RD, NEWPORT NEWS, VA 23602-6107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8400 HEMPTON CROSS DR, WAKE FOREST, NC 27587-4156

Mortgage

Document Number	0000314475
Date	Jul 27, 2020
Instrument	314475

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 97 Osprey Ln was $2,722.

Source: Washington County assessment roll, as of September 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,722.00	$281,100 (-) Land $87,400 Building $193,700
2025		$281,100 Land $87,400 Building $193,700	$281,100 Land $87,400 Building $193,700
2024	$2,692.00
2023		$281,100 Land $87,400 Building $193,700	$281,100 (+221.62%) Land $87,400 Building $193,700
2022	$742.00		$87,400

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

Flood

FEMA maps place 97 Osprey Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	12 (2003–2022)
Claims Outside the SFHA	7 of 12
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Irene, Aug 2011 · 4 claims Hurricane Isabel, Sep 2003 · 3 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 97 Osprey Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	WASHINGTON COUNTY WATER SYSTEM serves 6,693 people · EPA ID NC0494025
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2026–2028) 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 43 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

Nearby Properties on Osprey Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures