Dare County property record for 409 W Durham St, Kill Devil Hills, NC 27948
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1984 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,214 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 988405188707 |
| Primary APN | 988405188707 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Finished Area |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 988405188707 |
|---|---|
| Street Address | 409 W DURHAM ST |
| City | KILL DEVIL HILLS |
| State | NC |
| Zip | 27948-8271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 636 BLK: SEC: PL: 1 SL: 98 |
| Legal Subdivision | AVALON BEACH ANNEX 2 & 3 |
| Legal Lot Number | 636 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 970200 |
409 W Durham St is owned and occupied by two individuals.
Source: Dare County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 W DURHAM ST, KILL DEVIL HILLS, NC 27948-8271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 409 W DURHAM ST, KILL DEVIL HILLS, NC 27948-8271 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 2432/363 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 2432/363 |
| Instrument | 700086979 |
| Name | MID-CONTINENT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 409 W Durham St was $2,214.
Source: Dare County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Kill Devil Hills Town |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,214.00 | $407,700 (-) Land $206,300 Building $201,400 | $407,700 Land $206,300 Building $201,400 |
| 2025 | $2,214.00 | $407,700 Land $206,300 Building $201,400 | |
| 2023 | $1,642.00 | $217,400 Land $90,000 Building $127,400 | |
| 2020 | $407,700 Land $206,300 Building $201,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 W Durham St in Zone X, an area of minimal flood risk, though there have been 797 flood claims nearby since 1981.
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 File median of 458 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 490 units insured incl. 32 condo units |
| Nearby Flood Claims | 797 (1981–2019) |
| Claims Outside the SFHA | 298 of 797 |
| Most Recent Claim | Sep 2019 · Hurricane Dorian |
| Claims by Event |
|
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 risk around 409 W Durham St 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 99.1% of the US · lower than 99.5% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 609 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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