117 Sea Tern Dr E, Duck (Kitty Hawk), NC 27949 Property Records

Dare County property record for 117 Sea Tern Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	7 bd · 7.5 ba · 4,079 sqft · built 2002
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,580,000 (Feb 2025)
Tax Bill	$8,387 (2026)
Deeds & Mortgages	Feb 2025 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`995011579422`

Property Details

APN / Parcel Number

Primary APN	`995011579422`
Alternative APN	`027976000`

Interior

Bedrooms	7 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,079 sqft Finished Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
View / Lot	Ocean
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	995011579422
Street Address	117 SEA TERN DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 19 BLK: SEC: PL: B SL: 42
Legal Subdivision	SEA TERN
Legal Lot Number	19
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1020
Census Tract	970101

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	2739 MEADOW CROSS WAY, YORK, PA 17402-8538
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2025 · Amount on Record
Deed Sale	Feb 26, 2025 · Amount on Record
Prior Sale	Feb 27, 2013 · Amount on Record
Deed Document Number	2025700146544
Deed Book / Page	2775 / 178
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Feb 26, 2025
Property Address	117 SEA TERN DR E, DUCK, NC 27949
Document Number	002775/178
Book / Page	2775 / 178
Map Reference	CAB B SL 42
Instrument Date	Feb 24, 2025
Instrument	700146544
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15420 CEDARHURST7 COURT, CENTREVILLE, VA 20120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2739 MEADOW CROSS WAY, YORK, PA 17402-8538

Mortgage

Document Number	0700146545
Date	Feb 26, 2025
Instrument	700146545

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	Other
Max Rate	11.5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,387.00	$1,574,800 (-) Land $872,100 Building $702,700	$1,574,800 (-) Land $872,100 Building $702,700
2025	$8,387.00 (+7.33%)	$1,574,800 (+51.49%) Land $872,100 Building $702,700
2023	$7,814.00	$1,039,508 Land $436,100 Building $603,408
2020			$1,574,800 Land $872,100 Building $702,700

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Matthew, Oct 2016 · 128 claims Hurricane Irene, Aug 2011 · 119 claims Hurricane Isabel, Sep 2003 · 85 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	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.

Drinking Water

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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

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