Dare County property record for 812 Frances Ln, Kill Devil Hills, NC 27948
| Property Type | Single Family Home |
|---|---|
| Details | 2,164 sqft · built 2024 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Oct 2021) |
| Tax Bill | $4,064 (2026) |
| Deeds & Mortgages | Feb 2024 Construction Loan Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 988405170672 |
| Primary APN | 988405170672 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,164 sqft Finished Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Traditional |
| Exterior Material | Other |
| Lot Area | 7,500 sqft (0.172 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 988405170672 |
|---|---|
| Street Address | 812 FRANCES LN |
| City | KILL DEVIL HILLS |
| State | NC |
| Zip | 27948-9311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 91 BLK: SEC: 2 PL: 6 SL: 32 |
| Legal Subdivision | WRIGHT'S SHORES |
| Legal Lot Number | 91 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 970200 |
Source: Dare County records, as of October 20, 2026
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 | 812 FRANCES LN, KILL DEVIL HILLS, NC 27948-9311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2024 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Oct 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2021 · Amount on Record |
| Deed Sale | Oct 7, 2021 · Amount on Record |
| Deed Document Number | 2021700106884 |
| Deed Book / Page | 2552 / 307 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 812 FRANCES LN, KILL DEVIL HILLS, NC 27948-9311 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 91 OSPREY LN, KITTY HAWK, NC 27949-3839 |
| Document Number | 0002719/51 |
|---|---|
| Date | Feb 9, 2024 |
| Book Page | 2719/51 |
| Instrument | 700136498 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | 4140 E STATE ST, HERMITAGE, PA 16148 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Mar 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Oct 7, 2021 |
| Property Address | 812 FRANCES LN, KILL DEVIL HILLS, NC 27948-9311 |
| Document Number | 002552/307 |
| Book / Page | 2552 / 307 |
| Map Reference | MB 6 PG 32 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 700106884 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3200 PACIFIC AVE # 100, 100, VIRGINIA BEACH, VA 23451-2917 |
| Name | Verified Name |
|---|---|
| Address | 91 OSPREY LN, KITTY HAWK, NC 27949-3839 |
| Document Number | 0700106885 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 700106885 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
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 | $4,064.00 | $748,200 (-) Land $200,600 Building $547,600 | $748,200 (-) Land $200,600 Building $547,600 |
| 2025 | $4,064.00 (+523.31%) | $748,200 (+766.98%) Land $200,600 Building $547,600 | |
| 2023 | $652.00 | $86,300 Land $86,300 | |
| 2020 | $748,200 Land $200,600 Building $547,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 159 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 159 in force |
| Nearby Flood Claims | 165 (1981–2019) |
| Claims Outside the SFHA | 38 of 165 |
| 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.
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.
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 454 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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