1038 Bay Tree Dr, Harrells, NC 28444 Property Records

Bladen County property record for 1038 Bay Tree Dr, Harrells, NC 28444

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,197 sqft · built 1993
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$799,000 (Dec 2020)
Tax Bill	$5,738 (2026)
Deeds & Mortgages	May 2026 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0137-30-29-8817`

Property Details

APN / Parcel Number

Primary APN	`0137-30-29-8817`
Alternative APNs	`1373-02-98-8171` `0028397` `0547897`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,197 sqft Base Area
1st Floor Area	3,197 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Wood Shingle
Lot Area	33,977 sqft (0.78 acres)
Lot Dimensions	198 ft deep x 127 ft wide
View / Lot	Waterfront
Garage Area	400 sqft
Porch	Porch
Porch Area	60 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	0547897
Street Address	1038 BAY TREE DR
City	HARRELLS
State	NC
Zip	28444-9645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	137302988171 LOT 318 & 319B BAY TREE DRIVE
Legal Subdivision	BAY TREE LAKES
Legal Lot Number	3,18-31
Jurisdiction	BLADEN NC
Township / Civil Division	LAKE CREEK
Census Block Group	1
Census Block	1056
Census Tract	950101

Owner

1038 Bay Tree Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Bladen County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1038 BAY TREE DR, HARRELLS, NC 28444-9645
Occupancy	Owner Occupied
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
May 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY
Dec 31, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Prior Sale	Apr 15, 2013 · Amount on File
Deed Document Number	20203601
Deed Book / Page	811 / 558
Prior Transfer Date	Sep 21, 2006
Prior Transfer Doc	599/0088
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLADEN NC
Recording Date	May 29, 2026
Property Address	1038 BAY TREE DR, HARRELLS, NC 28444-9645
Document Number	0000001414
Book / Page	891 / 833
Instrument Date	May 18, 2026
Instrument	20261414
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 FOREST HILLS DR, WILMINGTON, NC 28403-2538

Mortgage

Document Number	0000001414,
Date	May 29, 2026
Book Page	891/833
Instrument	20261414

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.3%
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLADEN NC
Recording Date	Dec 31, 2020
Property Address	1038 BAY TREE DR, HARRELLS, NC 28444-9645
Document Number	811/558
Book / Page	811 / 558
Map Reference	MB A-6 PG 60
Instrument Date	Dec 29, 2020
Instrument	3601
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,598.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1038 BAY TREE DR, 1038, HARRELLS, NC 28444-9645

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1038 BAY TREE DR, HARRELLS, NC 28444-9645

Mortgage

Document Number	3602
Date	Dec 31, 2020
Instrument	3602

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1038 Bay Tree Dr was $5,738, up 2.3% from the year before.

Source: Bladen County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,738.00 (+2.28%)	$641,220 (-) Land $308,600 Building $332,620	$641,216 (-) Land $308,608 Building $332,608
2025	$5,610.00	$641,220 Land $308,600 Building $332,620	$641,216 Land $308,608 Building $332,608
2023	$5,610.00	$641,220 Land $308,600 Building $332,620	$641,216 Land $308,608 Building $332,608

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

Flood

FEMA maps place 1038 Bay Tree Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective December 5, 2019 · 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 File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	14 (1999–2024)
Claims Outside the SFHA	8 of 14
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 9 claims Hurricane Matthew, Oct 2016 · 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 1038 Bay Tree Dr 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Star Communications Fiber	1,000 / 500

Cell Coverage

5G and 4G LTE (outdoors only)

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