Ocracoke Island Living

Coastal Property Ownership: You are advised that along with the obvious benefits of coastal property ownership on Ocracoke come inherent risks such as storms, coastal erosion and periodic flooding. You are advised to consult with your insurance agent to discuss the coverage available to you as a property owner against such risks. In addition, many properties on Ocracoke are subject to building setbacks and wetlands restrictions. You are advised to consult with your closing attorney and a licensed surveyor regarding these issues.

Flood Hazard Zone: Property on Ocracoke is located in an area which the Secretary of HUD has found to have special flood hazards and that it may be necessary to purchase flood insurance in order to obtain any loan secured by the property from any federally regulated institution or a loan insured or guaranteed by an agency of the U.S. Government.

Survey and Pest Inspection Disclosure: As with any purchase of improved real property, you are advised to have a pest inspection of the property performed. Please consult with your agent regarding the ordering of a pest inspection. In addition, you are advised to consult with your closing attorney regarding the need for a current and accurate land survey.

Restrictive Covenants: Many properties on Ocracoke are located in subdivisions which are governed by restrictive covenants that may be enforced by property owner associations and may be subject to association dues and/or assessments. Please consult with your agent or closing attorney regarding the applicability of restrictive covenants to your property. If your property is subject to restrictive covenants, any new construction and any changes in the exterior appearance or landscaping of your improved property may be subject to approval by pertinent committee(s) for your subdivision.

Special Governmental Assessments: Properties on Ocracoke may be subject from time to time to special governmental assessments levied by Hyde County to assist in funding certain projects. You are advised to consult with your real estate agent or closing attorney to determine the date, amount and other specifics of any assessments.

Septic Disclosure: In most cases residential septic systems on Ocracoke have been designed for occupancy of a total of two persons per bedroom. A rental cottage may be furnished to allow for more occupants than permitted to maximize rental income. In addition, a property may be serviced by a community septic system with similar restrictions. To find out what the occupancy is for the property you own or the property you are considering to purchase, you or your agent may contact the Hyde County Health Department in Swan Quarter, N.C.

Community Septic System Disclosure: The subject property described above may be located in an area serviced by a community septic system, and may require property owners to be responsible for a service fee assessed by the operator of the system. There may also be restrictions on the construction of water supply wells and the use of underground waters. Consult with your agent to determine the type of septic system applicable to your property.

Home Warranty Disclosure: Home warranties can be purchased by both the buyer and the seller and will cover the repair of specific components of a home that may break during the listing period and/or the first year of ownership by the buyer. If a home warranty is purchased then, Ocracoke Island Realty and/or its agent may receive a fee for handling the paper work involved. For more information about home warranty programs, please speak to your agent.

Builder Referral Disclosure: Buyers who purchase a lot and use the services of an agent in securing a builder acknowledge that their agent may receive a referral fee from the builder.

Ground Floor Enclosure Disclosure: The architecture in coastal areas of North Carolina is conducive to homeowners finishing the ground floors of their homes as living area. There are many implications to completing these ground floors that buyers and sellers should understand.

Permits: Many ground floor living areas that were completed years ago were completed without the owner obtaining a building permit. It is possible that at some later date the building inspector’s department may require this ground floor plan to be removed or altered to meet current building codes. To find out if the ground floor plan was completed with building permits you or your agent may check the permit at the local building inspector’s office.

Zoning: Many ground floor areas are leased giving the appearance of a duplex. Many times this is violation of current single family residential zoning codes. It is possible that at some later date local governmental officials will not allow the ground floor to be leased. To find out if the property is zoned for multi-family use, ask your agent or the local planning officials how the property is zoned.

Federal Emergency Management (FEMA): Many ground floor living areas are below the current flood zone elevation. It is possible that at some later date FEMA may require these ground floor living areas to be altered to meet FEMA guidelines. Typically a licensed surveyor determines the elevation of properties and sellers have this information documents in their closing files. The local Flood-Plain Administrator can tell you the flood zone elevation of that property. Your agent can help you find this information or you may want to contact the local Flood-Plain Administrator.

Flood Insurance: Many ground floor living areas have been enclosed with owners obtaining all the proper permits. However, federal flood insurance may not cover all flood damages to a ground floor enclosure of homes with piling foundations in some flood zones. To find out of the ground floor living area of the home you own or the home you are considering to purchase is completely covered, the elevation of the home must be determined as well as the specific flood zone where the property is located. Your agent can help you find this information or you may want to contact an insurance agent.

Restrictive Covenants: Some ground floor living areas were enclosed contrary to restrictive covenants of a subdivision. It is possible at some alter date that property owners of the subdivision may request to have the ground floor area removed. You may want to check the restrictive covenants of the subdivision may request to have the ground floor area removed. You may want to check the restrictive covenants of the subdivision for information regarding ground floor enclosures or ask your agents or attorney for help in this area.

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Helpful Information for Owners:

• Belhaven Cable
  Cable TV & Dial-Up Internet
  Phone: 800-842-0820



• Embarq
  Local Telephone & DSL
  Phone: 800-672-6242



• Ferrell Gas
  Propane
  Phone: 888-337-7355



• Hyde County Health Dept.
  Septic Issues
  Phone: 252-926-4200



• Ocracoke Sanitary District
  Water Company
  Phone: 252-928-5791



• Tideland Electric
  Phone: 800-637-1079



• Hyde Co. Bldg. Inspections
  Phone: 252-926-4372



• Hyde County Tax Office
  Phone: 252-926-4188



• Pest Control Options



• Island Pest Control
  Phone: 252-995-4591



• Orkin Exterminating
  Phone: 757-460-2465



• OBX Pest Control
  Phone: 252-473-1633



• Terminex Pest Control
  Phone: 252-441-1001