Dare County property record for 109 Sea Tern Dr E, Kitty Hawk, NC 27949
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,040 sqft · built 1990 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,075,000 (Jun 2026) |
| Tax Bill | $5,270 (2026) |
| Deeds & Mortgages | Apr 2009 Line of Credit May 2016 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 995011573255 |
| Primary APN | 995011573255 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Finished Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Contemporary |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.344 acres) |
| View / Lot | Freeway Proximity |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 995011573255 |
|---|---|
| Street Address | 109 SEA TERN DR E |
| City | KITTY HAWK |
| State | NC |
| Zip | 27949-4494 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 23 BLK: SEC: PL: B SL: 42 |
| Legal Subdivision | SEA TERN |
| Legal Lot Number | 23 |
| Legal Unit | 1 |
| Jurisdiction | DARE NC |
| Township / Civil Division | ATLANTIC |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 970101 |
Source: Dare County records, as of October 21, 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 | 318 S CHURCH ST, SMITHFIELD, VA 23430-1702 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 28, 2009 | Deed of Trust, Mortgage · Line of Credit RBC BANK USA |
| May 18, 2016 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 28, 2009 | Deed of Trust, Mortgage CAROLINA STATE MORTGAGE CORPORATION |
| Sep 28, 2012 | Deed of Trust, Mortgage · Conventional Mortgage MONARCH BANK |
| Jul 11, 2006 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Jun 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Jun 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on Record |
| Deed Sale | Jun 3, 2026 · Amount on Record |
| Deed Document Number | 2026700160368 |
| Deed Book / Page | 2854 / 93 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001798/474 |
|---|---|
| Date | Apr 28, 2009 |
| Book Page | 1798/474 |
| Instrument | 6257282 |
| Name | RBC BANK USA |
|---|---|
| Type | Bank |
| Address | ROCKY MOUNT, NC 27802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 10, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002094/416 |
|---|---|
| Date | May 18, 2016 |
| Book Page | 2094/416 |
| Instrument | 700025570 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001798/473 |
|---|---|
| Date | Apr 28, 2009 |
| Book Page | 1798/473 |
| Instrument | 6257281 |
| Name | CAROLINA STATE MORTGAGE CORPORATION |
|---|---|
| Address | NAGS HEAD, NC 27959 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | May 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001909/241 |
|---|---|
| Date | Sep 28, 2012 |
| Book Page | 1909/241 |
| Instrument | 6317310 |
| Name | MONARCH BANK |
|---|---|
| Type | Bank |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001692/470 |
|---|---|
| Date | Jul 11, 2006 |
| Book Page | 1692/470 |
| Instrument | 6201074 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Jun 3, 2026 |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Document Number | 0002854/95 |
| Book / Page | 2854 / 95 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 2026700160369 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Document Number | 0700160369, |
|---|---|
| Date | Jun 3, 2026 |
| Book Page | 2854/95 |
| Instrument | 2026700160369 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DARE NC |
| Recording Date | Jun 3, 2026 |
| Property Address | 109 SEA TERN DR E, KITTY HAWK, NC 27949-4494 |
| Document Number | 0700160368 |
| Book / Page | 2854 / 93 |
| Instrument Date | May 28, 2026 |
| Instrument | 2026700160368 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 318 S CHURCH ST, SMITHFIELD, VA 23430-1702 |
| Document Number | 0700160369, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 2026700160369 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $5,270.00 | $1,007,700 (-) Land $540,000 Building $467,700 | $1,007,700 (-) Land $540,000 Building $467,700 |
| 2025 | $5,270.00 (+26.05%) | $1,007,700 (+80.79%) Land $540,000 Building $467,700 | |
| 2023 | $4,181.00 | $557,400 Land $285,000 Building $272,400 | |
| 2020 | $1,007,700 Land $540,000 Building $467,700 |
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 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 98% of the US · lower than 99% 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 245 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 |
| Verizon Fixed Wireless | 300 / 20 |
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