118 Bay Leaf Dr, Currituck, NC 27929 Property Records

Currituck County property record for 118 Bay Leaf Dr, Currituck, NC 27929

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,242 sqft · built 2014
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,000 (Mar 2014)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Sep 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`8979-71-6716`

Property Details

APN / Parcel Number

Primary APN	`8979-71-6716`
Alternative APNs	`050D00001430000` `000134415` `8979-71`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,242 sqft Total Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	000134415
Street Address	118 BAY LEAF DR
City	CURRITUCK
State	NC
Zip	27929-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFM
Legal Description	LOT 143 LAUREL WOODS ESTATES
Legal Subdivision	LAUREL WOODS ESTATES
Legal Lot Number	143
Jurisdiction	CURRITUCK NC
Township / Civil Division	CRAWFORD
Census Block Group	1
Census Block	1005
Census Tract	110302

Owner

Source: Currituck County records, as of April 10, 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	118 BAY LEAF DR, CURRITUCK, NC 27929-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Sep 3, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2014 · Amount on Record
Deed Sale	Mar 21, 2014 · Amount on Record
Prior Sale	Jan 31, 2014 · Amount on Record
Deed Book / Page	1284 / 112
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CURRITUCK NC
Property Address	118 BAY LEAF DR, CURRITUCK, NC 27929-9722
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018290106
Date	Oct 29, 2025
Book Page	1829/106
Instrument	398596

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CURRITUCK NC
Property Address	118 BAY LEAF DR, CURRITUCK, NC 27929-9722
Document Number	0015740828
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 BAY LEAF DR CURRITUCK NC 279299722, CURRITUCK, NC 27929-9722

Mortgage

Document Number	0015740828
Date	Nov 9, 2020
Book Page	001574/000828
Instrument	357124

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 8, 2045

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: Currituck County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Currituck County
Unified School District	Currituck County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,262.00 (+0.4%)	$322,100 (-) Land $85,000 Building $237,100
2024	$2,253.00 (+9.9%)	$322,100 (-) Land $85,000 Building $237,100
2023	$2,050.00 (+19.19%)	$322,100 (-) Land $85,000 Building $237,100	$322,100 (-) Land $85,000 Building $237,100
2022	$1,720.00	$322,100 Land $85,000 Building $237,100	$322,100 (-) Land $85,000 Building $237,100
2021			$322,100 Land $85,000 Building $237,100

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 June 18, 2020 · 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 120 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	120 in force
Nearby Flood Claims	19 (1999–2026)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Jun 2026 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 8 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 99.1% of the US · lower than 99.5% 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.

Drinking Water

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

Water System	CURRITUCK COUNTY WATER SYSTEM serves 24,130 people · EPA ID NC0427010
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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