101 Bay Dr, Atlantic Beach, NC 28512 Property Records

Carteret County property record for 101 Bay Dr, Atlantic Beach, NC 28512

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,715 sqft · built 2006
Lot Size	0.726 acres (31,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,900,000 (May 2020)
Tax Bill	$6,354 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`6365.17.21.2548000`

Property Details

APN / Parcel Number

Primary APN	`6365.17.21.2548000`
Alternative APNs	`497561` `22449`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	5,715 sqft Heated Area
Gross Area	3,857 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Foundation Type	Pile
Roof Type	Hip
Roof Material	Metal
Lot Area	31,625 sqft (0.726 acres)
Lot Dimensions	319 ft deep x 100 ft wide
View / Lot	Waterfront / Beach

Exterior Amenities

Pool Area	230 sqft
Porch	Slab
Porch Area	132 sqft
Deck Area	266 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	22449
Street Address	101 BAY DR
City	ATLANTIC BEACH
State	NC
Zip	28512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1 BB PINE KNOLL SHORES
Legal Subdivision	SUBDIVISION OF PINE KNOLL SHORES
Legal Block	21
Legal Lot Number	1
Jurisdiction	CARTERET NC
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2019
Census Tract	971003

Owner

Source: Carteret County records, as of September 23, 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	571 BAILEY RD, KEYSVILLE, VA 23947-2704
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2020 · Amount on Record
Deed Sale	May 7, 2020 · Amount on Record
Prior Sale	Jul 19, 2013 · Amount on Record
Deed Document Number	20201671163
Deed Book / Page	1671 / 163
Prior Transfer Date	Jun 18, 2013
Prior Transfer Doc	0014510227
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTERET NC
Recording Date	May 7, 2020
Property Address	101 BAY DR, PINE KNOLL SHORES, NC 28512
Document Number	0016710163
Book / Page	1671 / 163
Map Reference	MB 1118 PG 454
Instrument Date	Apr 23, 2020
Instrument	1671163
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2804 DEERFIELD LN N, 2804, WILSON, NC 27896-8742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	571 BAILEY RD, KEYSVILLE, VA 23947-2704

Mortgage

Document Number	0001671164
Date	May 7, 2020
Instrument	1671-164

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2023
Change Frequency	3 Years
Min Rate At Change	4%
Max Rate At Change	6.99%
Index	3-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

Source: Carteret County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Carteret County
Municipality	Pine Knoll Shores Town
Unified School District	Carteret County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,780,877 (-) Land $1,079,610 Building $1,701,267	$2,780,877 (-) Land $1,079,610 Building $1,701,267
2025	$6,354.00 (+20.68%)	$2,780,877 (+74.78%) Land $1,079,610 Building $1,701,267	$2,780,877 (+74.78%) Land $1,079,610 Building $1,701,267
2023		$1,591,072 Land $731,250 Building $859,822	$1,591,072 Land $731,250 Building $859,822
2022	$5,265.00

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 January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 461 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,290 units insured incl. 829 condo units
Nearby Flood Claims	52 (1999–2024)
Claims Outside the SFHA	16 of 52
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Dorian, Sep 2019 · 4 claims Hurricane Florence, Sep 2018 · 37 claims Hurricane Irene, Aug 2011 · 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	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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