2603 Bay Dr, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 2603 Bay Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,744 sqft · built 2001
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,010,000 (Sep 2025)
Tax Bill	$3,893 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`987520808674`

Property Details

APN / Parcel Number

Primary APN	`987520808674`
Alternative APN	`000734003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,744 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	987520808674
Street Address	2603 BAY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-8107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 3 BLK: 80 SEC: PL: 1 SL: 188
Legal Subdivision	VIRGINIA DARE SHORES
Legal Block	80
Legal Lot Number	3
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2036
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	2 Company Names on Record
Mailing Address	5507 SHOOTERS HILL LN, FAIRFAX, VA 22032-3023
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 30, 2025	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Deed Document Number	2025700153226
Deed Book / Page	2813 / 600
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	2603 BAY DR, KILL DEVIL HILLS, NC 27948-8107
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00002628/4
Date	Jun 22, 2022
Book Page	2628/4
Instrument	700119715

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	DARE NC
Recording Date	Sep 30, 2025
Property Address	2603 BAY DR, KILL DEVIL HILLS, NC 27948-8107
Document Number	002813/600
Book / Page	2813 / 600
Map Reference	MB 1 PG 188
Instrument Date	Sep 30, 2025
Instrument	700153226
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 GRANVILLE DR, NEWPORT NEWS, VA 23606-1528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5507 SHOOTERS HILL LN, FAIRFAX, VA 22032-3023

Mortgage

Document Number	0700153228
Date	Sep 30, 2025
Instrument	700153228

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate	5.37%
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	5-Year CMT
Margin	2
Max Rate	10.3%

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	$3,893.00	$716,700 (-) Land $386,300 Building $330,400	$716,700 (-) Land $386,300 Building $330,400
2025	$3,893.00 (+153.62%)	$716,700 (+76.35%) Land $386,300 Building $330,400
2023	$1,535.00	$406,400 Land $169,900 Building $236,500
2020			$716,700 Land $386,300 Building $330,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 255 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	255 in force
Nearby Flood Claims	222 (1985–2022)
Claims Outside the SFHA	40 of 222
Most Recent Claim	Apr 2022
Claims by Event	Tropical Storm Michael, Oct 2018 · 25 claims Hurricane Matthew, Oct 2016 · 29 claims Hurricane Irene, Aug 2011 · 73 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 98% of the US · lower than 99% 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 573 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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