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

Dare County property record for 120 Baum Bay Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1989
Lot Size	0.253 acres (11,000 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Aug 2024)
Tax Bill	$2,029 (2026)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`988305283682`

Property Details

APN / Parcel Number

Primary APN	`988305283682`
Alternative APN	`004126000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,550 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,000 sqft (0.253 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	988305283682
Street Address	120 BAUM BAY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-8405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 61 BLK: SEC: 1 PL: A SL: 44
Legal Subdivision	BAUM BAY HARBOR
Legal Lot Number	61
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970302

Owner

120 Baum Bay Dr is owned and occupied by two individuals who bought it in August 2024.

Source: Dare County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8405
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
Aug 1, 2024	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 12, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on File
Deed Sale	Aug 1, 2024 · Amount on File
Prior Sale	Jun 12, 2019 · Amount on File
Deed Document Number	2024700141186
Deed Book / Page	2745 / 218
Record Updated	Oct 29, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Aug 1, 2024
Property Address	120 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8405
Document Number	002745/218
Book / Page	2745 / 218
Map Reference	MB 3 PG 65
Instrument Date	Jul 17, 2024
Instrument	700141186
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8405

Mortgage

Document Number	0700141187
Date	Aug 1, 2024
Instrument	700141187

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2029
Min Rate At Change	4.65%
Max Rate At Change	8.55%
Index	5-Year CMT
Max Rate	12.6%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jun 12, 2019
Property Address	120 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8405
Document Number	002305/377
Book / Page	2305 / 377
Instrument Date	Jun 12, 2019
Instrument	700065498
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8405

Mortgage

Document Number	0700065499
Date	Jun 12, 2019
Instrument	700065499

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 120 Baum Bay Dr was $2,029.

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	$2,029.00	$466,000 (-) Land $115,900 Building $350,100	$466,000 Land $115,900 Building $350,100
2025	$2,029.00	$466,000 Land $115,900 Building $350,100
2023	$1,743.00	$278,900 Land $83,700 Building $195,200
2020			$466,000 Land $115,900 Building $350,100

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

Flood

FEMA maps place 120 Baum Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 120 Baum Bay Dr is moderate, ranking above 64% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 86% of North Carolina
Wildfire Likelihood	0.1% 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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