Dare County property record for 3530 Bay Dr, Kitty Hawk, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,912 sqft · built 2004 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $799,000 (May 2019) |
| Tax Bill | $6,582 (2025) |
| Deeds & Mortgages | May 2019 Refinance Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 987515743920 |
| Primary APN | 987515743920 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,912 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Traditional |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,000 sqft (0.413 acres) |
| View / Lot | Waterfront |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 987515743920 |
|---|---|
| Street Address | 3530 BAY DR |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949-4719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 1 BLK: SEC: PL: 9 SL: 46 |
| Legal Subdivision | DUNES |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 970200 |
Source: Dare County assessment roll, APN 987515743920, as of October 16, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3530 BAY DR, KITTY HAWK, NC 27949-4719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Her Husband |
| Date | Document |
|---|---|
| May 20, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance PHYLLIS E MENDEL |
| Oct 05, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 20, 2019 · Amount on Record |
| Deed Sale | May 20, 2019 · Amount on Record |
| Deed Document Number | 2019700064786 |
| Deed Book / Page | 2301 / 600 |
| Last Transfer Date | Aug 20, 2021 |
| Transfer Doc | 2551/182 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 3530 BAY DR, KITTY HAWK, NC 27949-4719 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2301/604 |
|---|---|
| Date | May 20, 2019 |
| Book Page | 2301/604 |
| Instrument | 700064788 |
| Name | PHYLLIS E MENDEL |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 97 Months |
| Due | Jun 01, 2027 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Oct 05, 2021 |
| Property Address | 3530 BAY DR, KITTY HAWK, NC 27949-4719 |
| Document Number | 2551/182 |
| Book / Page | 2551 / 182 |
| Map Reference | MB 9 PG 46 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 700106683 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Title Company | ADAMS TITLE ADVANTAGE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3530 BAY DR, KITTY HAWK, NC 27949-4719 |
| Document Number | 700106684 |
|---|---|
| Date | Oct 05, 2021 |
| Instrument | 700106684 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2051 |
Source: Dare County assessment roll as of October 16, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Kitty Hawk Town |
| Unified School District | Dare County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,582.00 (+12.86%) | $1,362,200 (+63.61%) Land $385,800 Building $976,400 | |
| 2023 | $5,832.00 | $832,600 Land $183,700 Building $648,900 | |
| 2020 | $1,362,200 Land $385,800 Building $976,400 |
Source: FEMA National Flood Hazard Layer, Dare County (37055C), as of May 11, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370559702002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, 274 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Brightspeed.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC0428030, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DARE COUNTY WATER SYSTEM serves 28,732 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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