3515 Bay Dr, Kitty Hawk, NC 27949 Property Records

Dare County property record for 3515 Bay Dr, Kitty Hawk, NC 27949

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,766 sqft · built 2016
Lot Size	0.482 acres (21,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,750,000 (Jul 2023)
Tax Bill	$6,129 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`987516747719`

Property Details

APN / Parcel Number

Primary APN	`987516747719`
Alternative APN	`018588100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,766 sqft Finished Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Other
Lot Area	21,000 sqft (0.482 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	987516747719
Street Address	3515 BAY DR
City	KITTY HAWK
State	NC
Zip	27949-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 1 BLK: SEC: PL: B SL: 322
Legal Subdivision	TOP O' THE DUNES
Legal Lot Number	1
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2000
Census Tract	970200

Owner

Source: Dare County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1618, THAYNE, WY 83127-1618
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jan 18, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Mar 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Deed Document Number	2023700130994
Deed Book / Page	2689 / 675
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jul 7, 2023
Property Address	3515 BAY DR, KITTY HAWK, NC 27949-4720
Document Number	002689/675
Book / Page	2689 / 675
Map Reference	CAB B SL 322
Instrument Date	Jul 6, 2023
Instrument	700130994
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3515 BAY DR, KITTY HAWK, NC 27949-4720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 BAY DR, KITTY HAWK, NC 27949-4720

Mortgage

Document Number	0700130995
Date	Jul 7, 2023
Instrument	700130995

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	11.7%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3515 BAY DR, KITTY HAWK, NC 27949-4720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2145/380
Date	Jan 18, 2017
Book Page	2145/380
Instrument	700034746

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	49 Months
Due	Feb 21, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3515 BAY DR, KITTY HAWK, NC 27949-4720
Transaction Type	Mortgage
Record Updated	Jul 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2377/844
Date	May 20, 2020
Book Page	2377/844
Instrument	700078136

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3515 BAY DR, KITTY HAWK, NC 27949-4720
Transaction Type	Mortgage
Record Updated	Apr 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2290/745
Date	Mar 25, 2019
Book Page	2290/745
Instrument	700062818

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 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	Kitty Hawk Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,129.00 (+3.01%)	$1,196,400 (-) Land $281,700 Building $914,700	$1,196,400 (+9%) Land $281,700 Building $914,700
2025	$5,950.00 (+34.89%)	$1,196,400 (+9%) Land $281,700 Building $914,700
2023	$4,411.00	$629,700 (-) Land $174,200 Building $455,500
2022	$4,411.00	$629,700 Land $174,200 Building $455,500	$629,700 (-47.37%) Land $174,200 Building $455,500
2020			$1,196,400 Land $281,700 Building $914,700

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	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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