16 Spindrift Trl, Kitty Hawk, NC 27949 Property Records

Dare County property record for 16 Spindrift Trl, Kitty Hawk, NC 27949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,990 sqft · built 2020
Lot Size	0.643 acres (28,000 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (May 2014)
Tax Bill	$3,627 (2026)
Deeds & Mortgages	May 2020 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`986720818995`

Property Details

APN / Parcel Number

Primary APN	`986720818995`
Alternative APN	`022462000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,990 sqft Finished Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	28,000 sqft (0.643 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	986720818995
Street Address	16 SPINDRIFT TRL
City	KITTY HAWK
State	NC
Zip	27949-3721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 351 BLK: SEC: PL: 7 SL: 6
Legal Subdivision	CHICAHAUK
Legal Lot Number	351
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	3
Census Block	3018
Census Tract	970101

Owner

16 Spindrift Trl is owned and occupied by two individuals who bought it in May 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 SPINDRIFT TRL, KITTY HAWK, NC 27949-3721
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
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 9, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2014 · Amount on File
Deed Sale	May 19, 2014 · Amount on File
Deed Document Number	20146343793
Deed Book / Page	1958 / 405
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	16 SPINDRIFT TRL, KITTY HAWK, NC 27949-3721
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002373/656
Date	May 4, 2020
Book Page	2373/656
Instrument	700077395

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	16 SPINDRIFT TRL, KITTY HAWK, NC 27949-3721
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002568/650
Date	Nov 30, 2021
Book Page	2568/650
Instrument	700109537

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, 2036

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	16 SPINDRIFT TRL, KITTY HAWK, NC 27949-3721
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8501 BAYSIDE RD, CHESAPEAKE BEACH, MD 20732-3350

Mortgage

Document Number	002679/349
Date	May 9, 2023
Book Page	2679/349
Instrument	700129175

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 16 Spindrift Trl was $3,627, down 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,627.00 (-0.52%)	$803,900 (-) Land $266,500 Building $537,400	$803,900 Land $266,500 Building $537,400
2025	$3,646.00	$803,900 Land $266,500 Building $537,400
2023	$2,837.00	$446,000 Land $133,300 Building $312,700
2020			$803,900 Land $266,500 Building $537,400

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

Flood

FEMA maps place 16 Spindrift Trl 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 264 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	276 units insured incl. 12 condo units
Nearby Flood Claims	5 (2012–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Mar 2018 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 3 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 16 Spindrift Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.03% 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 87 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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