1003 Cardinal St, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 1003 Cardinal St, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,848 sqft · built 1987
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Aug 2018)
Tax Bill	$2,589 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`988312870181`

Property Details

APN / Parcel Number

Primary APN	`988312870181`
Alternative APN	`004412000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,848 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wood

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	988312870181
Street Address	1003 CARDINAL ST
City	KILL DEVIL HILLS
State	NC
Zip	27948-8764
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 9 BLK: 22 SEC: PL: 2 SL: 18
Legal Subdivision	KILL DEVIL HILLS REALTY CORP
Legal Block	22
Legal Lot Number	9
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1045
Census Tract	970302

Owner

Source: Dare County records, as of October 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	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 21, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 1, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on Record
Deed Sale	Aug 1, 2018 · Amount on Record
Prior Sale	Jul 15, 2011 · Amount on Record
Deed Document Number	2018700055150
Deed Book / Page	2252 / 41
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764

Mortgage

Document Number	002796/492
Date	Jun 25, 2025
Book Page	2796/492
Instrument	700150330

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Max Rate	11%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00002405/1
Date	Aug 21, 2020
Book Page	2405/1
Instrument	700082562

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764

Mortgage

Document Number	002745/302
Date	Aug 2, 2024
Book Page	2745/302
Instrument	700141199

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2039

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Aug 1, 2018
Property Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764
Document Number	0002252/41
Book / Page	2252 / 41
Instrument Date	Jan 1, 2018
Instrument	000700055150
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 CARDINAL ST, KILL DEVIL HILLS, NC 27948-8764

Mortgage

Document Number	0000002252/0000000043
Date	Aug 1, 2018
Book Page	0000002252/0000000043
Instrument	000700055151

Lender

Name	MOVEMENT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Kill Devil Hills Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,589.00 (-0.08%)	$467,800 (-) Land $183,800 Building $284,000	$467,800 (-) Land $183,800 Building $284,000
2025	$2,591.00 (+6.32%)	$467,800 (+44.96%) Land $183,800 Building $284,000
2023	$2,437.00	$322,699 Land $89,300 Building $233,399
2020			$467,800 Land $183,800 Building $284,000

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 May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 190 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	290 units insured incl. 100 condo units
Nearby Flood Claims	22 (2003–2018)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Oct 2018 · Tropical Storm Michael
Claims by Event	Tropical Storm Michael, Oct 2018 · 6 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Irene, Aug 2011 · 7 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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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	TOWN OF KILL DEVIL HILLS serves 7,200 people · EPA ID NC0428015
Water Source	Purchased groundwater from DARE COUNTY WATER SYSTEM
Last State Inspection	Apr 2024
Lead	2 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Ripple Fiber, T-Mobile.

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