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

Dare County property record for 521 W Chowan St, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,900 sqft · built 2002
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$2,895,000 (Sep 2022)
Tax Bill	$2,878 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`987520819629`

Property Details

APN / Parcel Number

Primary APN	`987520819629`
Alternative APN	`026671000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,900 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
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	987520819629
Street Address	521 W CHOWAN ST
City	KILL DEVIL HILLS
State	NC
Zip	27948-6845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 10-12 BLK: 68 SEC: PL: 1 SL: 188
Legal Subdivision	VIRGINIA DARE SHORES
Legal Block	68
Legal Lot Number	10-12
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	2
Census Block	2023
Census Tract	970200

Owner

521 W Chowan St is owned and occupied by two individuals who bought it in September 2022.

Source: Dare County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	521 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6845
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 8, 2017	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Nov 8, 2017 · Amount on File
Deed Document Number	2022700122281
Deed Book / Page	2642 / 107
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Sep 2, 2022
Property Address	521 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6845
Document Number	002642/107
Book / Page	2642 / 107
Map Reference	MB 1 PG 188
Instrument Date	Aug 30, 2022
Instrument	700122281
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$965.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 COLLEGE PL # 1600, 1600, NORFOLK, VA 23510-1946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6845

Mortgage

Document Number	0700122282
Date	Sep 2, 2022
Instrument	700122282

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Nov 8, 2017
Property Address	521 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6845
Document Number	002203/751
Book / Page	2203 / 751
Map Reference	MB 1 PG 188
Instrument Date	Nov 1, 2017
Instrument	700045827
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 CHARLESTON DR, GRANDY, NC 27939-9634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 W CHOWAN ST, KILL DEVIL HILLS, NC 27948-6845

Mortgage

Document Number	002203/753
Date	Nov 8, 2017
Book Page	2203/753
Instrument	700045828

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 521 W Chowan St was $2,878.

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	$2,878.00	$530,000 (-) Land $228,800 Building $301,200	$530,000 Land $228,800 Building $301,200
2025	$2,878.00	$530,000 Land $228,800 Building $301,200
2023	$2,586.00	$342,300 Land $90,000 Building $252,300
2020			$530,000 Land $228,800 Building $301,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 521 W Chowan St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

The area around 521 W Chowan St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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