108 Cook Dr, Kitty Hawk, NC 27949 Property Records

Dare County property record for 108 Cook Dr, Kitty Hawk, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,440 sqft · built 1988
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,189 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`985912862981`

Property Details

APN / Parcel Number

Primary APN	`985912862981`
Alternative APN	`009835000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,440 sqft Finished Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable
Lot Area	10,000 sqft (0.23 acres)
View / Lot	Freeway Proximity
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	985912862981
Street Address	108 COOK DR
City	KITTY HAWK
State	NC
Zip	27949-4529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 6 BLK: E SEC: PL: 4 SL: 83
Legal Subdivision	BAYBERRY BLUFF W
Legal Block	E
Legal Lot Number	6
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1024
Census Tract	970101

Owner

Source: Dare County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	108 COOK DR, KITTY HAWK, NC 27949-4529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 22, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Feb 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	108 COOK DR, KITTY HAWK, NC 27949-4529
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002204/755
Date	Nov 14, 2017
Book Page	2204/755
Instrument	700046005

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2032

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	108 COOK DR, KITTY HAWK, NC 27949-4529
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002519/377
Date	Jun 22, 2021
Book Page	2519/377
Instrument	700101340

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	108 COOK DR, KITTY HAWK, NC 27949-4529
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002666/119
Date	Feb 14, 2023
Book Page	2666/119
Instrument	700126763

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,189.00	$1,395,500 (-) Land $352,000 Building $1,043,500	$1,395,500 (-) Land $352,000 Building $1,043,500
2025	$6,189.00 (+6.38%)	$1,395,500 (+48.83%) Land $352,000 Building $1,043,500
2023	$5,818.00	$937,632 Land $212,000 Building $725,632
2020			$1,395,500 Land $352,000 Building $1,043,500

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 File median of 1,132 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,493 units insured incl. 361 condo units
Nearby Flood Claims	732 (1978–2024)
Claims Outside the SFHA	327 of 732
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Matthew, Oct 2016 · 128 claims Hurricane Irene, Aug 2011 · 119 claims Hurricane Isabel, Sep 2003 · 85 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	Not rated no burnable land within 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	SOUTHERN OUTER BANKS WTR SYST serves 8,209 people · EPA ID NC6027001
Water Source	Groundwater
Last State Inspection	Aug 2025
Also Mapped Here	DARE COUNTY WATER SYSTEM
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Ripple Fiber.

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