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

Dare County property record for 415 W Chowan St, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,483 sqft · built 1978
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Nov 2025)
Tax Bill	$2,477 (2026)
Deeds & Mortgages	Jul 2016 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`987520924080`

Property Details

APN / Parcel Number

Primary APN	`987520924080`
Alternative APN	`003018000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,483 sqft Finished Area
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	987520924080
Street Address	415 W CHOWAN ST
City	KILL DEVIL HILLS
State	NC
Zip	27948-6843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 13-15 BLK: 57 SEC: PL: 1 SL: 188
Legal Subdivision	VIRGINIA DARE SHORES
Legal Block	57
Legal Lot Number	13-15
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 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 Record
Mailing Address	415 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2016	Deed of Trust, Mortgage · Conventional Mortgage HOMEFIRST MORTGAGE CORP
Nov 10, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jun 2, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	2025700154376
Deed Book / Page	2820 / 507
Prior Transfer Date	Apr 15, 2010
Prior Transfer Doc	001833/040
Record Updated	Oct 29, 2026

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	415 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002107/478
Date	Jul 15, 2016
Book Page	2107/478
Instrument	700027842

Lender

Name	HOMEFIRST MORTGAGE CORP
Type	Non-Lending Institution
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2046

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Nov 10, 2025
Property Address	415 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Document Number	002820/507
Book / Page	2820 / 507
Map Reference	MB 1 PG 188
Instrument Date	Oct 27, 2025
Instrument	700154376
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 336, MANNS HARBOR, NC 27953-0336

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843

Mortgage

Document Number	0700154377
Date	Nov 10, 2025
Instrument	700154377

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jun 2, 2022
Property Address	415 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6843
Document Number	002623/770
Book / Page	2623 / 770
Map Reference	MB 1 PG 188
Instrument Date	Jun 2, 2022
Instrument	700118941
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4510 EDSALL DR, WOODBRIDGE, VA 22193-3138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 336, MANNS HARBOR, NC 27953-0336

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 20, 2026

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
2026	$2,477.00	$456,100 (-) Land $228,800 Building $227,300	$456,100 (-) Land $228,800 Building $227,300
2025	$2,477.00 (+31.69%)	$456,100 (+83.1%) Land $228,800 Building $227,300
2023	$1,881.00	$249,100 Land $90,000 Building $159,100
2020			$456,100 Land $228,800 Building $227,300

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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