109 Baum Bay Dr, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 109 Baum Bay Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,597 sqft · built 1968
Lot Size	0.551 acres (24,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Mar 2026)
Tax Bill	$2,336 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`988306297197`

Property Details

APN / Parcel Number

Primary APN	`988306297197`
Alternative APN	`004082000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,597 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Lot Area	24,000 sqft (0.551 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	988306297197
Street Address	109 BAUM BAY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-8406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 1 BLK: SEC: 1 PL: E SL: 685
Legal Subdivision	BAUM BAY HARBOR
Legal Lot Number	1
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1013
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	109 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2026 · Amount on Record
Deed Sale	Mar 4, 2026 · Amount on Record
Deed Document Number	2026700157487
Deed Book / Page	2838 / 40
Prior Transfer Date	Nov 30, 2016
Prior Transfer Doc	002136/532
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Mar 4, 2026
Property Address	109 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8406
Document Number	0002838/40
Book / Page	2838 / 40
Map Reference	CAB E SL 685
Instrument Date	Feb 25, 2026
Instrument	700157487
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1145 KENWOOD DR, DUNEDIN, FL 34698-6552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8406

Mortgage

Document Number	0002838/42
Date	Mar 4, 2026
Book Page	2838/42
Instrument	700157488

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	4097 MONUMENT CORNER DR STE 600, FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,336.00	$536,300 (-) Land $130,700 Building $405,600	$536,300 (-) Land $130,700 Building $405,600
2025	$2,336.00 (+106.73%)	$536,300 (+48.31%) Land $130,700 Building $405,600
2023	$1,130.00	$361,600 Land $94,400 Building $267,200
2020			$536,300 Land $130,700 Building $405,600

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	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DARE COUNTY WATER SYSTEM serves 28,732 people · EPA ID NC0428030
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	4 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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