3123 Bay Dr, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 3123 Bay Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,940 sqft · built 1983
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,525,000 (Jul 2023)
Tax Bill	$4,115 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`987516825566`

Property Details

APN / Parcel Number

Primary APN	`987516825566`
Alternative APN	`001017000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,940 sqft Finished Area
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	987516825566
Street Address	3123 BAY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-9445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 71 BLK: SEC: PL: A SL: 194
Legal Subdivision	MOOR SHORES
Legal Lot Number	71
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2009
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 Individual Names on Record
Mailing Address	3123 BAY DR, KILL DEVIL HILLS, NC 27948-9445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Nov 12, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on Record
Deed Sale	Jul 13, 2023 · Amount on Record
Prior Sale	Nov 12, 2019 · Amount on Record
Deed Document Number	2023700131153
Deed Book / Page	2690 / 609
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Recording Date	Sep 23, 2026
Property Address	3123 BAY DR, KILL DEVIL HILLS, NC 27948-9445
Document Number	0700163667
Book / Page	2871 / 518
Instrument Date	Sep 17, 2026
Instrument	2026700163667
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3123 BAY DR, KILL DEVIL HILLS, NC 27948-9445

Mortgage

Document Number	0700163667,
Date	Sep 23, 2026
Book Page	2871/518
Instrument	2026700163667

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jul 13, 2023
Property Address	3123 BAY DR, KILL DEVIL HILLS, NC 27948-9445
Document Number	002690/609
Book / Page	2690 / 609
Map Reference	CAB A SL 193&194
Instrument Date	Jul 7, 2023
Instrument	700131153
Transaction Type	Transfer
Record Updated	Jul 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 MICHAEL CT, COATESVILLE, PA 19320-1264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 W PALMETTO ST, KILL DEVIL HILLS, NC 27948-7870

Mortgage

Document Number	0700131154
Date	Jul 13, 2023
Instrument	700131154

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Nov 12, 2019
Property Address	3123 BAY DR, KILL DEVIL HILLS, NC 27948-9445
Document Number	00002335/4
Book / Page	2335 / 4
Instrument Date	Nov 12, 2019
Instrument	700070848
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MICHAEL CT, COATESVILLE, PA 19320-1264

Mortgage

Document Number	00002335/6
Date	Nov 12, 2019
Book Page	2335/6
Instrument	700070849

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$4,115.00	$757,700 (-) Land $302,000 Building $455,700	$757,700 (+125.24%) Land $302,000 Building $455,700
2025	$4,115.00 (+61.94%)	$757,700 (+125.24%) Land $302,000 Building $455,700
2023	$2,541.00 (+4.87%)	$336,400 (-) Land $141,800 Building $194,600
2022	$2,423.00	$336,400 Land $141,800 Building $194,600	$336,400 (-55.6%) Land $141,800 Building $194,600
2020			$757,700 Land $302,000 Building $455,700

Assessed value is set for property tax purposes, not a market price estimate; it is 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 500 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	Not rated no burnable land within 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 398 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

May also be available: Verizon.

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