700 W First St, #2-L, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 700 W First St, #2-L, Kill Devil Hills, NC 27948

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,104 sqft · built 1987
Lot Size	14.3 acres (622,881 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,542 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2005 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`988413140426.63`

Property Details

APN / Parcel Number

Primary APN	`988413140426.63`
Alternative APN	`008075041`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,104 sqft Finished Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Condo/Apartment
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	622,881 sqft (14.3 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	98841314042663
Street Address	700 W FIRST ST, 2-L
City	KILL DEVIL HILLS
State	NC
Zip	27948-9308
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT: UT 2 BLDG L BLK: SEC: PL: B SL: 49
Legal Subdivision	OYSTER POINT CONDOS
Legal Unit	L-2
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	4
Census Block	4011
Census Tract	970200

Owner

700 W First St, #2-L, a condominium, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	700 SKIP JACK LN, L2, KILL DEVIL HILLS, NC 27948-9042
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
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 1, 2005	Deed of Trust, Mortgage · ARM AMERICAN HOME MORTGAGE ACCEPTANCE INC
Nov 18, 2024	Deed of Trust, Mortgage · Line of Credit HOMETAP EQUITY PARTNERS LLC
Oct 24, 2008	Deed of Trust, Mortgage LOCAL GOVERNMENT FCU
Mar 1, 2005	Deed of Trust, Mortgage · Line of Credit CITIBANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	700 W FIRST ST # 2-L, 2-L, KILL DEVIL HILLS, NC 27948-9308
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002382/646
Date	Jun 11, 2020
Book Page	2382/646
Instrument	700078934

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	700 W FIRST ST # 2-L, 2-L, KILL DEVIL HILLS, NC 27948-9308
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001616/387
Date	Mar 1, 2005
Book Page	1616/387
Instrument	6161202

Lender

Name	AMERICAN HOME MORTGAGE ACCEPTANCE INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2010
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	10.8%
Index	6-Month LIBOR
Margin	5
Max Rate	10.8%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	700 W FIRST ST # 2-L, 2-L, KILL DEVIL HILLS, NC 27948-9308
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002761/452
Date	Nov 18, 2024
Book Page	2761/452
Instrument	700144028

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	75 ARLINGTON ST STE 500, BOSTON, MA 02116

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	700 W FIRST ST # 2-L, 2-L, KILL DEVIL HILLS, NC 27948-9308
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001783/127
Date	Oct 24, 2008
Book Page	1783/127
Instrument	6249221

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Index	1-Year T-Bill
Max Rate	8%

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	700 W FIRST ST # 2-L, 2-L, KILL DEVIL HILLS, NC 27948-9308
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001616/388
Date	Mar 1, 2005
Book Page	1616/388
Instrument	6161203

Lender

Name	CITIBANK FSB
Type	Bank
Address	22090

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 700 W First St, #2-L was $1,542, down 0.1% from the year before.

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	$1,542.00 (-0.13%)	$275,300 (-) Land $50,000 Building $225,300	$275,300 Land $50,000 Building $225,300
2025	$1,544.00	$275,300 Land $50,000 Building $225,300
2023	$1,299.00	$172,002 Land $42,000 Building $130,002
2020			$275,300 Land $50,000 Building $225,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 700 W First St, #2-L in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 137 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	272 units insured incl. 135 condo units
Nearby Flood Claims	140 (1989–2020)
Claims Outside the SFHA	17 of 140
Most Recent Claim	Jan 2020 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 23 claims Hurricane Irene, Aug 2011 · 54 claims Hurricane Dennis, Sep 1999 · 14 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

Wildfire risk around 700 W First St, #2-L is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.02% 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 293 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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