Dare County property record for 1305 W First St, Kill Devil Hills, NC 27948
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,338 sqft · built 2020 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $572,000 (Aug 2021) |
| Tax Bill | $4,282 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 988413129595 |
| Primary APN | 988413129595 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,338 sqft Heated Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Traditional |
| Exterior Material | Other |
| Lot Area | 10,000 sqft (0.23 acres) |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 988413129595 |
|---|---|
| Street Address | 1305 W FIRST ST |
| City | KILL DEVIL HILLS |
| State | NC |
| Zip | 27948-8008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 65 BLK: SEC: PL: J SL: 103 |
| Legal Subdivision | WATER OAK |
| Legal Lot Number | 65 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 970200 |
Source: Dare County records · APN 988413129595
Assessment roll updated October 16, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Apr 02, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE ELECTRONIC REGISTRATION SY |
| Jun 02, 2022 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| Jun 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Aug 20, 2021 | Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Deed Document Number | 2021700104350 |
| Deed Book / Page | 2537 / 211 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Apr 02, 2026 |
| Property Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Document Number | 0700158366 |
| Book / Page | 2842 / 839 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 2026700158366 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SUMMIT TITLE COMPANY, SUMMIT SETTLEMENT SERVICE |
| Name | Verified Name |
|---|---|
| Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Document Number | 0700158366, |
|---|---|
| Date | Apr 02, 2026 |
| Book Page | 2842/839 |
| Instrument | 2026700158366 |
| Name | MORTGAGE ELECTRONIC REGISTRATION SY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 002623/618 |
|---|---|
| Date | Jun 02, 2022 |
| Book Page | 2623/618 |
| Instrument | 700118918 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 002623/603 |
|---|---|
| Date | Jun 02, 2022 |
| Book Page | 2623/603 |
| Instrument | 700118917 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jul 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Jul 01, 2027 |
| Change Frequency | 6 Months |
| Max Rate At Change | 6.12% |
| Index | Other |
| Margin | 2 |
| Max Rate | 9.12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Aug 20, 2021 |
| Property Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Document Number | 002537/211 |
| Book / Page | 2537 / 211 |
| Map Reference | CAB J SL 73 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 700104350 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,144.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 90, KILL DEVIL HILLS, NC 27948-0090 |
| Name | Verified Name |
|---|---|
| Address | 1305 W FIRST ST, KILL DEVIL HILLS, NC 27948-8008 |
| Document Number | 0700104351 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 700104351 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
Source: Dare County records · Assessment roll updated October 16, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Kill Devil Hills Town |
| Unified School District | Dare County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,282.00 (+6.46%) | $788,300 (+48.07%) Land $182,000 Building $606,300 | |
| 2023 | $4,022.00 | $532,400 Land $91,000 Building $441,400 | |
| 2020 | $788,300 Land $182,000 Building $606,300 |
Source: FEMA National Flood Hazard Layer, Dare County (37055C), as of May 11, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370559702004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record median of 137 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 272 units insured incl. 135 condo units |
| Nearby Flood Claims | 140 (1989–2020) |
| Claims Outside the SFHA | 17 of 140 |
| Most Recent Claim | Jan 2020 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Wright Brothers National Memorial listed 1966 · 6 contributing resources · National Historic Landmark (designated 2001) · NRIS 66000071 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Brightspeed.
Based on FCC filings for 90 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NC0428015, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF KILL DEVIL HILLS serves 7,200 people |
|---|---|
| Water Source | Purchased groundwater from DARE COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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