278 Bayview Dr, Stumpy Point, NC 27978 Property Records

Dare County property record for 278 Bayview Dr, Stumpy Point, NC 27978

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,247 sqft · built 1930
Lot Size	2.76 acres (120,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (May 2026)
Tax Bill	$1,200 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Mortgage
Flood Zone	Zone AE (high risk)
APN	`976212850009`

Property Details

APN / Parcel Number

Primary APN	`976212850009`
Alternative APNs	`976200850009` `024100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,247 sqft Finished Area
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	120,487 sqft (2.76 acres)
View / Lot	Waterfront - Canal

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	976212850009
Street Address	278 BAYVIEW DR
City	STUMPY POINT
State	NC
Zip	27978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: BLK: SEC: PL: 2 SL: 13
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	CROATAN
Census Block Group	1
Census Block	1188
Census Tract	970501

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 Individual Names on Record
Mailing Address	278 BAYVIEW DR, STUMPY POINT, NC 27978
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Warranty Deed, Transfer · Seller Carry-Back NONE LISTED ON DOCUMENT
May 14, 2026	Correction Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Deed Document Number	2026700159683
Deed Book / Page	2850 / 94
Prior Transfer Date	May 5, 2026
Prior Transfer Doc	0700159731
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	May 13, 2026
Property Address	278 BAYVIEW DR, STUMPY POINT, NC 27978
Document Number	0700159683
Book / Page	2850 / 94
Instrument Date	May 5, 2026
Instrument	2026.700159683
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 BAYVIEW DR, STUMPY POINT, NC 27978

Mortgage

Document Number	0700159684,
Date	May 13, 2026
Instrument	2026.700159684

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	DARE NC
Recording Date	May 14, 2026
Property Address	278 BAYVIEW DR, STUMPY POINT, NC 27978
Document Number	0700159731
Book / Page	2850 / 279
Instrument Date	May 5, 2026
Instrument	2026700159731
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 BAYVIEW DR, STUMPY POINT, NC 27978

Mortgage

Document Number	0700159732,
Date	May 14, 2026
Book Page	2850/286
Instrument	2026700159732

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,200.00	$285,700 (-) Land $80,900 Building $204,800	$285,700 (-) Land $80,900 Building $204,800
2025	$1,200.00 (+48.51%)	$285,700 (+62.88%) Land $80,900 Building $204,800
2023	$808.00	$175,400 Land $80,900 Building $94,500
2020			$285,700 Land $80,900 Building $204,800

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 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 173 policies
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 · Hurricane Ian
Claims by Event	Hurricane Irene, Aug 2011 · 106 claims Hurricane Isabel, Sep 2003 · 35 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 29 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	High above 81% of the US · above 97.5% of North Carolina
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 CO-STUMPY POINT WATER SYS serves 269 people · EPA ID NC6028002
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2026–2028) 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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