8582 Daybreak Bay Dr, Terrell, NC 28682 Property Records

Catawba County property record for 8582 Daybreak Bay Dr, Terrell, NC 28682

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,182 sqft · built 1991
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (May 2013)
Tax Bill	$4,587 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4616-02-57-8701`

Property Details

APN / Parcel Number

Primary APN	`4616-02-57-8701`
Alternative APN	`0014016`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,182 sqft Living Area
1st Floor Area	3,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	30,056 sqft (0.69 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	420 sqft
Patio Area	624 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	8582 DAYBREAK BAY DR
City	TERRELL
State	NC
Zip	28682-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-30
Legal Description	8582 DAYBREAK BAY DR
Jurisdiction	CATAWBA NC
Township / Civil Division	MOUNTAIN CREEK
Census Block Group	2
Census Block	2009
Census Tract	11505

Owner

Source: Catawba County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8582 DAYBREAK BAY DR, TERRELL, NC 28682-8743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2013 · Amount on Record
Deed Sale	May 16, 2013 · Amount on Record
Prior Sale	Mar 12, 2001
Deed Document Number	20139651
Deed Book / Page	3188 / 791
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	8582 DAYBREAK BAY DR, TERRELL, NC 28682-8743
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037070214
Date	Nov 29, 2021
Book Page	3707/214
Instrument	29352

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	8582 DAYBREAK BAY DR, TERRELL, NC 28682-8743
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8582 DAYBREAK BAY DR, TERRELL, NC 28682-8743

Mortgage

Document Number	0037271227
Date	Mar 1, 2022
Book Page	3727/1227
Instrument	4744

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Feb 22, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	8582 DAYBREAK BAY DR, TERRELL, NC 28682-8743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035430799
Date	Dec 11, 2019
Book Page	03543/0799
Instrument	22056

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Catawba County
Unified School District	Catawba County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,151,100 (-) Land $508,500 Building $642,600
2025	$4,587.00 (-19.09%)	$1,151,100 (+92.11%) Land $508,500 Building $642,600
2024	$5,669.00 (+2.07%)
2023	$5,554.00	$599,200 Land $291,200 Building $308,000	$1,151,100 Land $508,500 Building $642,600

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 September 1, 2026 · 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
Nearby Flood Policies	5 in force

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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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