187 Bayview Dr, Stumpy Point, NC 27978 Property Records

Dare County property record for 187 Bayview Dr, Stumpy Point, NC 27978 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,741 sqft · built 2004
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Jan 2021)
Tax Bill	$3,099 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`976210467913`

Property Details

APN / Parcel Number

Primary APN	`976210467913`
Alternative APN	`024077000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,741 sqft Heated Area
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Architectural Style	Traditional
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	976210467913
Street Address	187 BAYVIEW DR
City	STUMPY POINT
State	NC
Zip	27978-9663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: BLK: SEC: PL: C SL: 80B
Legal Subdivision	STUMPY POINT
Jurisdiction	DARE NC
Township / Civil Division	CROATAN
Census Block Group	1
Census Block	1190
Census Tract	970501

Owner

Source: Dare County records · APN 976210467913

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	187 BAYVIEW DR, STUMPY POINT, NC 27978-9663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKT MORTGAGE LLC
Jan 13, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 13, 2021 · Amount on Record
Deed Sale	Jan 13, 2021 · Amount on Record
Deed Document Number	0002457121
Deed Book / Page	2457 / 121
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	187 BAYVIEW DR, STUMPY POINT, NC 27978-9663
Transaction Type	Mortgage
Record Updated	Nov 03, 2025
Title Company	UNKNOWN, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002817/845
Date	Oct 24, 2025
Book Page	2817/845
Instrument	700153930

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2045

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	187 BAYVIEW DR, STUMPY POINT, NC 27978-9663
Transaction Type	Mortgage
Record Updated	Sep 02, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2536/634
Date	Aug 19, 2021
Book Page	2536/634
Instrument	700104263

Lender

Name	ROCKT MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2041

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jan 13, 2021
Property Address	187 BAYVIEW DR, STUMPY POINT, NC 27978-9663
Document Number	2457/121
Book / Page	2457 / 121
Instrument Date	Jan 13, 2021
Instrument	700091024
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 US HIGHWAY 264, 108, STUMPY POINT, NC 27978-9594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 BAYVIEW DR, STUMPY POINT, NC 27978-9663

Mortgage

Document Number	700091025
Date	Jan 13, 2021
Instrument	700091025

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Feb 01, 2026
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

Source: Dare County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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	$3,099.00 (+6.09%)	$728,100 (+53.48%) Land $108,100 Building $620,000
2023	$2,921.00	$474,385 Land $75,700 Building $398,685
2020			$728,100 Land $108,100 Building $620,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dare County (37055C), updated May 11, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370559705011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	264 (1985–2022)
Claims Outside the SFHA	3 of 264
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Irene, Aug 2011 · 106 claims Hurricane Isabel, Sep 2003 · 35 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 29 claims

Wildfire

Wildfire Risk	High above 76% of the US · above 96% of North Carolina
Wildfire Likelihood	About 1 in 275 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 41 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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