3500 Bay Dr, Kitty Hawk, NC 27949 Property Records

Dare County property record for 3500 Bay Dr, Kitty Hawk, NC 27949

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,496 sqft · built 1977
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Tax Bill	$4,863 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`987516745483`

Property Details

APN / Parcel Number

Primary APN	`987516745483`
Alternative APN	`018507000`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,496 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wood

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	987516745483
Street Address	3500 BAY DR
City	KITTY HAWK
State	NC
Zip	27949-4719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 3 BLK: SEC: PL: 4 SL: 84
Legal Subdivision	KITTY DUNES II
Legal Lot Number	3
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2013
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	3500 BAY DR, KITTY HAWK, NC 27949-4719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage PRIMELENDING
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3500 BAY DR, KITTY HAWK, NC 27949-4719
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002674/203
Date	Apr 5, 2023
Book Page	2674/203
Instrument	700128220

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3500 BAY DR, KITTY HAWK, NC 27949-4719
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002146/412
Date	Jan 24, 2017
Book Page	2146/412
Instrument	700034950

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3500 BAY DR, KITTY HAWK, NC 27949-4719
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002361/420
Date	Mar 13, 2020
Book Page	2361/420
Instrument	700075351

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3500 BAY DR, KITTY HAWK, NC 27949-4719
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002572/248
Date	Dec 9, 2021
Book Page	2572/248
Instrument	700110151

Lender

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

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,863.00 (+3.1%)	$976,200 (-) Land $358,200 Building $618,000	$976,200 (-) Land $358,200 Building $618,000
2025	$4,717.00 (+28.77%)	$976,200 (+86.65%) Land $358,200 Building $618,000
2023	$3,663.00	$523,000 Land $170,600 Building $352,400
2020			$976,200 Land $358,200 Building $618,000

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 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	DARE COUNTY WATER SYSTEM serves 28,732 people · EPA ID NC0428030
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	4 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 274 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: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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