Dare County property record for 109 Royal Tern Ln, Duck, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,556 sqft · built 1984 |
| Lot Size | 0.356 acres (15,500 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,234 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 995118305619 |
| Primary APN | 995118305619 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,652 sqft Finished Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Traditional |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,500 sqft (0.356 acres) |
| View / Lot | Waterfront |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 995118305619 |
|---|---|
| Street Address | 109 ROYAL TERN LN |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 136 BLK: SEC: PL: A SL: 369 |
| Legal Subdivision | SANDERLING |
| Legal Phase | 4A |
| Legal Lot Number | 136 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 970101 |
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 | 1477 OLD BALLARD RD, CHARLOTTESVILLE, VA 22901-9469 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 109 ROYAL TERN LN, DUCK, NC 27949 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|
| Document Number | 2393/700 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 2393/700 |
| Instrument | 700080716 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2040 |
Source: Dare County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Dare County |
| Municipality | Duck Town |
| Unified School District | Dare County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,234.00 (-6.56%) | $721,300 (-6.7%) Land $419,800 Building $301,500 | $721,300 (-6.7%) Land $419,800 Building $301,500 |
| 2025 | $3,461.00 (+3.1%) | $773,100 (+42.88%) Land $419,800 Building $353,300 | |
| 2023 | $3,357.00 | $541,100 Land $341,700 Building $199,400 | |
| 2020 | $773,100 Land $419,800 Building $353,300 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 1,132 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,493 units insured incl. 361 condo units |
| Nearby Flood Claims | 732 (1978–2024) |
| Claims Outside the SFHA | 327 of 732 |
| Most Recent Claim | Sep 2024 · Potential Tropical Cyclone Eight |
| 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 99.1% of the US · lower than 99.5% 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 | SOUTHERN OUTER BANKS WTR SYST serves 8,209 people · EPA ID NC6027001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Also Mapped Here | DARE COUNTY WATER SYSTEM |
| Lead | Under 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 35 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 |
5G (outdoors only) and 4G LTE
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