96 Baum Bay Dr, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 96 Baum Bay Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,728 sqft · built 1987
Lot Size	0.356 acres (15,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,735 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`988306295849`

Property Details

APN / Parcel Number

Primary APN	`988306295849`
Alternative APN	`002982503`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,728 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Traditional
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,500 sqft (0.356 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	988306295849
Street Address	96 BAUM BAY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-8403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 3 BLK: SEC: 5 PL: A SL: 44
Legal Subdivision	BAUM BAY HARBOR
Legal Lot Number	3
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1014
Census Tract	970302

Owner

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	2 Individual Names on Record
Mailing Address	96 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
May 26, 2021	Deed of Trust, Mortgage · FHA Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

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

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	96 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8403
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8403

Mortgage

Document Number	002823/698
Date	Dec 2, 2025
Book Page	2823/698
Instrument	700154918

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	2114 E ACHIEVE WAY, TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

Interest

Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	96 BAUM BAY DR, KILL DEVIL HILLS, NC 27948-8403
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002510/193
Date	May 26, 2021
Book Page	2510/193
Instrument	700099738

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,735.00	$398,300 (-) Land $126,000 Building $272,300	$398,300 (-) Land $126,000 Building $272,300
2025	$1,735.00 (-10.34%)	$398,300 (+28.65%) Land $126,000 Building $272,300
2023	$1,935.00	$309,600 Land $91,000 Building $218,600
2020			$398,300 Land $126,000 Building $272,300

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 190 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	290 units insured incl. 100 condo units
Nearby Flood Claims	22 (2003–2018)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Oct 2018 · Tropical Storm Michael
Claims by Event	Tropical Storm Michael, Oct 2018 · 6 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Irene, Aug 2011 · 7 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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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	DARE COUNTY WATER SYSTEM serves 28,732 people · EPA ID NC0428030
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	4 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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