403 W Chowan St, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 403 W Chowan St, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,152 sqft · built 1982
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (May 2020)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`987520925096`

Property Details

APN / Parcel Number

Primary APN	`987520925096`
Alternative APN	`026666000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Heated Area
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	987520925096
Street Address	403 W CHOWAN ST
City	KILL DEVIL HILLS
State	NC
Zip	27948-6843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 19-20 BLK: 57 SEC: PL: 1 SL: 188
Legal Subdivision	VIRGINIA DARE SHORES
Legal Block	57
Legal Lot Number	19-20
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2023
Census Tract	970200

Owner

Source: Dare County records, as of October 16, 2025

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	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK & TRUST CO
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Nov 29, 2018	Warranty Deed, Transfer
Sep 6, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	2020700078139
Deed Book / Page	2377 / 882
Transfer Doc	001621/101
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843

Mortgage

Document Number	002626/337
Date	Jun 14, 2022
Book Page	2626/337
Instrument	700119413

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank
Address	KITTY HAWK, NC 27949

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	May 20, 2020
Property Address	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Document Number	002377/882
Book / Page	2377 / 882
Map Reference	MB 1 PG 188
Instrument Date	May 19, 2020
Instrument	700078139
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 OAK RUN, KITTY HAWK, NC 27949-9215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843

Mortgage

Document Number	0700078140
Date	May 20, 2020
Instrument	700078140

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Nov 29, 2018
Property Address	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Document Number	002271/801
Book / Page	2271 / 801
Instrument Date	Nov 21, 2018
Instrument	000700059101
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
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	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	DARE NC
Recording Date	Sep 6, 2018
Property Address	403 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Document Number	002258/510
Book / Page	2258 / 510
Instrument Date	Sep 5, 2018
Instrument	000700056415
Transaction Type	Foreclosure
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Kill Devil Hills Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,262.00 (+10.29%)	$409,500 (+51.18%) Land $221,100 Building $188,400
2023	$2,051.00	$270,872 Land $87,000 Building $183,872
2020			$409,500 Land $221,100 Building $188,400

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
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 99.8% of the US · lower than 99.9% 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	TOWN OF KILL DEVIL HILLS serves 7,200 people · EPA ID NC0428015
Water Source	Purchased groundwater from DARE COUNTY WATER SYSTEM
Last State Inspection	Apr 2024
Lead	2 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 398 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: Verizon.

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