3523 Bay Dr, Kitty Hawk, NC 27949 Property Records

Dare County property record for 3523 Bay Dr, Kitty Hawk, NC 27949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,063 sqft · built 2018
Lot Size	0.471 acres (20,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (May 2026)
Tax Bill	$5,917 (2025)
Deeds & Mortgages	Oct 2010 Line of Credit May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`987516746935`

Property Details

APN / Parcel Number

Primary APN	`987516746935`
Alternative APN	`018588103`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,063 sqft Heated Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	20,500 sqft (0.471 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	987516746935
Street Address	3523 BAY DR
City	KITTY HAWK
State	NC
Zip	27949-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 3 BLK: SEC: PL: B SL: 322
Legal Subdivision	TOP O' THE DUNES
Legal Lot Number	3
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 May 29, 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	3523 BAY DR, KITTY HAWK, NC 27949-4720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2010	Deed of Trust, Mortgage · Line of Credit OBX BANK
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Mar 16, 2018 · Amount on Record
Deed Document Number	2026700160002
Deed Book / Page	2851 / 984
Record Updated	Sep 20, 2026

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	3523 BAY DR, KITTY HAWK, NC 27949-4720
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001845/066
Date	Oct 5, 2010
Book Page	1845/066
Instrument	6282531

Lender

Name	OBX BANK
Address	KITTY HAWK, NC 27949

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	May 22, 2026
Property Address	3523 BAY DR, KITTY HAWK, NC 27949-4720
Document Number	0700160002
Book / Page	2851 / 984
Instrument Date	May 6, 2026
Instrument	2026700160002
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	POST CLOSING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3523 BAY DR, KITTY HAWK, NC 27949-4720
Investor	Possibly a Property Investor

Mortgage

Document Number	0700160003,
Date	May 22, 2026
Instrument	2026700160003

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 16, 2025

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
2025	$5,917.00 (+20.19%)	$1,224,700 (+74.26%) Land $280,900 Building $943,800
2023	$4,923.00	$702,800 Land $173,600 Building $529,200
2020			$1,224,700 Land $280,900 Building $943,800

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 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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