1822 Bay Dr, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 1822 Bay Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1978
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Tax Bill	$4,360 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`988409060566`

Property Details

APN / Parcel Number

Primary APN	`988409060566`
Alternative APNs	`98840960566` `002539000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,860 sqft Finished Area
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	988409060566
Street Address	1822 BAY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 3 & PT 2 BLK: 21 SEC: 1 PL: 1 SL: 40
Legal Subdivision	CROATAN SHORES INC
Legal Block	21
Legal Lot Number	3-2
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	3
Census Block	3002
Census Tract	970200

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	Individual Name on Record
Mailing Address	PO BOX 215, KILL DEVIL HILLS, NC 27948-0215
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 29, 2018	Deed of Trust, Mortgage TOWNEBANK MORTGAGE
Mar 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 8, 2024
Transfer Doc	0002748/77
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	1822 BAY DR, KILL DEVIL HILLS, NC 27948-9425
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2464/580
Date	Feb 2, 2021
Book Page	2464/580
Instrument	700092180

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	5.87%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	1822 BAY DR, KILL DEVIL HILLS, NC 27948-9425
Transaction Type	Mortgage
Record Updated	May 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002228/0000000084
Date	Mar 29, 2018
Book Page	0000002228/0000000084
Instrument	000700050569

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Mar 29, 2018
Property Address	1822 BAY DR, KILL DEVIL HILLS, NC 27948-9425
Document Number	2228/080
Book / Page	2228 / 080
Instrument Date	Mar 23, 2018
Instrument	000700050568
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 BAY DR, KILL DEVIL HILLS, NC 27948-9425

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Kill Devil Hills Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,360.00 (-0.02%)	$795,900 (-) Land $468,000 Building $327,900	$795,900 (-) Land $468,000 Building $327,900
2025	$4,361.00 (+16.26%)	$795,900 (+60.52%) Land $468,000 Building $327,900
2023	$3,751.00	$495,817 Land $234,000 Building $261,817
2020			$795,900 Land $468,000 Building $327,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 159 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	159 in force
Nearby Flood Claims	165 (1981–2019)
Claims Outside the SFHA	38 of 165
Most Recent Claim	Sep 2019 · Hurricane Dorian
Claims by Event	Tropical Storm Michael, Oct 2018 · 17 claims Hurricane Matthew, Oct 2016 · 21 claims Hurricane Irene, Aug 2011 · 52 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 99.8% of the US · lower than 99.9% 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	TOWN OF KILL DEVIL HILLS serves 7,200 people · EPA ID NC0428015
Water Source	Purchased groundwater from DARE COUNTY WATER SYSTEM
Last State Inspection	Apr 2024
Lead	2 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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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