104 Royal Oak Dr, Hampstead, NC 28443 Property Records

Pender County property record for 104 Royal Oak Dr, Hampstead, NC 28443 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 1998
Lot Size	0.839 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Sep 2022)
Tax Bill	$2,197 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3273-03-3120-0000`

Property Details

APN / Parcel Number

Primary APN	`3273-03-3120-0000`
Alternative APNs	`000047779` `964643`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,628 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Lot Area	36,590 sqft (0.839 acres)
Garage Type	Detached
Garage Area	576 sqft

Exterior Amenities

Pool Area	468 sqft
Porch	Porch
Porch Area	120 sqft
Patio Area	596 sqft
Shed	1 Shed
Shed Area	80 sqft
Lean-To	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	000047779
Old Parcel Number	3273 03 3120 0000
Street Address	104 ROYAL OAK DR
City	HAMPSTEAD
State	NC
Zip	28443-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L3,PB 31/118 CROSS CREEK
Legal Subdivision	CROSS CREEK
Legal Lot Number	3
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2040
Census Tract	920203

Owner

Source: Pender County records · APN 3273-03-3120-0000

Assessment roll updated January 1, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	104 ROYAL OAK DR, HAMPSTEAD, NC 28443-3526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 09, 2022	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
May 24, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 03, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 09, 2022 · Amount on Record
Deed Sale	Sep 09, 2022 · Amount on Record
Prior Sale	Oct 09, 2014 · Amount on Record
Deed Document Number	0013304797
Deed Book / Page	1330 / 4797
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Sep 09, 2022
Property Address	104 ROYAL OAK DR, HAMPSTEAD, NC 28443-3526
Document Number	0047971330
Book / Page	4797 / 1330
Map Reference	MB 31 PG 118
Instrument Date	Sep 08, 2022
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ROYAL OAK DR, HAMPSTEAD, NC 28443-3526

Mortgage

Document Number	0047971334
Date	Sep 09, 2022
Instrument	4797-1334

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	104 ROYAL OAK DR, HAMPSTEAD, NC 28443-3526
Transaction Type	Mortgage
Record Updated	Jun 01, 2022
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ROYAL OAK DR, HAMPSTEAD, NC 28443-3526

Mortgage

Document Number	0047890529
Date	May 24, 2022
Book Page	4789/529

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	104 ROYAL OAK DR, HAMPSTEAD, NC 28443-3526
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046982883
Date	Dec 03, 2019
Book Page	4698/2883

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 01, 2045

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,197.00 (+8.87%)	$478,645 (+121.62%) Land $90,720 Building $387,925	$478,645 (+121.62%) Land $90,720 Building $387,925
2023		$215,979 (-) Land $47,008 Building $168,971	$215,979 (-) Land $47,008 Building $168,971
2022	$2,018.00	$215,979 Land $47,008 Building $168,971	$215,979 Land $47,008 Building $168,971

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pender County (37141C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371419202032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 213 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	213 in force
Nearby Flood Claims	30 (2016–2018)
Claims Outside the SFHA	10 of 30
Most Recent Claim	Sep 2018, river or lake flooding, Hurricane Florence
Claims By Storm	Hurricane Florence, Sep 2018 · 29 claims

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	About 1 in 971 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 64 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Atlantic Telephone Membership, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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