3518 Bay Dr, Kitty Hawk, NC 27949 Property Records

Dare County property record for 3518 Bay Dr, Kitty Hawk, NC 27949

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,213 sqft · built 1995
Lot Size	0.39 acres (17,000 sqft)
Owner	2 Individual Names on File
Last Sale	$638,500 (Aug 2019)
Tax Bill	$5,237 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`987515744720`

Property Details

APN / Parcel Number

Primary APN	`987515744720`
Alternative APNs	`987504744720` `018586000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,213 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,000 sqft (0.39 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	987515744720
Street Address	3518 BAY DR
City	KITTY HAWK
State	NC
Zip	27949-4719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 4 BLK: SEC: PL: 9 SL: 46
Legal Subdivision	DUNES
Legal Lot Number	4
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2013
Census Tract	970200

Owner

3518 Bay Dr is owned by two individuals who bought it in August 2019.

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 File
Mailing Address	249 WAX MYRTLE TRL, KITTY HAWK, NC 27949-3314
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 28, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage 5TH STREET CAP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2019 · Amount on File
Deed Sale	Aug 28, 2019 · Amount on File
Deed Document Number	2019700068273
Deed Book / Page	2320 / 414
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3518 BAY DR, KITTY HAWK, NC 27949-4719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2384/752
Date	Jun 19, 2020
Book Page	2384/752
Instrument	700079305

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Aug 28, 2019
Property Address	3518 BAY DR, KITTY HAWK, NC 27949-4719
Document Number	2320/414
Book / Page	2320 / 414
Instrument Date	Aug 28, 2019
Instrument	700068273
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount 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	417 W HELGA ST, KITTY HAWK, NC 27949

Mortgage

Document Number	700068275
Date	Aug 28, 2019
Instrument	700068275

Lender

Name	5TH STREET CAP INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.2%
Type Change Date	Sep 1, 2026
Max Rate At Change	3.5%
Index	1-Year LIBOR

Mortgage

Document Number	002320/414
Date	Aug 28, 2019
Book Page	2320/414
Instrument	700068273

Lender

Name	5TH STREET CAP INC

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.2%
Type Change Date	Sep 1, 2026
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2026 property tax bill for 3518 Bay Dr was $5,237, up 3.1% from the year before.

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	$5,237.00 (+3.11%)	$1,031,800 (-) Land $381,200 Building $650,600	$1,031,800 Land $381,200 Building $650,600
2025	$5,079.00	$1,031,800 Land $381,200 Building $650,600
2023	$4,577.00	$653,443 Land $181,600 Building $471,843
2020			$1,031,800 Land $381,200 Building $650,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3518 Bay Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3518 Bay Dr is low, with less than a 0.01% annual chance of 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

Nearby Properties on Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures