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

Dare County property record for 120 Sea Tern Dr E, Duck, NC 27949

Property Summary

Property Type	Single Family Home
Details	6 bd · 8 ba · 3,959 sqft · built 2004
Lot Size	0.436 acres (19,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,550,000 (Jul 2021)
Tax Bill	$10,143 (2026)
Deeds & Mortgages	Apr 2019 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`995007578539`

Property Details

APN / Parcel Number

Primary APN	`995007578539`
Alternative APN	`009664000`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,959 sqft Finished Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,000 sqft (0.436 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	995007578539
Street Address	120 SEA TERN DR E
City	KITTY HAWK
State	NC
Zip	27949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 14 BLK: SEC: PL: A SL: 107
Legal Subdivision	SEA TERN
Legal Lot Number	14
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	1601 HEATHERSTONE DR, FREDERICKSBURG, VA 22407-4845
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Deed Document Number	2021700102161
Deed Book / Page	2524 / 317
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	120 SEA TERN DR E, DUCK, NC 27949
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2294/530
Date	Apr 12, 2019
Book Page	2294/530
Instrument	700063508

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	May 1, 2026
Index	1-Year LIBOR

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DARE NC
Recording Date	Jul 7, 2021
Property Address	120 SEA TERN DR E, DUCK, NC 27949
Document Number	2524/317
Book / Page	2524 / 317
Map Reference	CAB A SL 107
Instrument Date	Jun 29, 2021
Instrument	700102161
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	836 NETHERCLIFFE HALL RD, 836, GREAT FALLS, VA 22066-2717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 HEATHERSTONE DR, FREDERICKSBURG, VA 22407-4845

Mortgage

Document Number	700102162
Date	Jul 7, 2021
Instrument	700102162

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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
Municipality	Duck Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,143.00 (+0.19%)	$1,900,200 (-) Land $949,600 Building $950,600	$1,900,200 (-) Land $949,600 Building $950,600
2025	$10,124.00 (+32.65%)	$1,900,200 (+86.76%) Land $949,600 Building $950,600
2023	$7,632.00	$1,017,472 Land $474,800 Building $542,672
2020			$1,900,200 Land $949,600 Building $950,600

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
Nearest Special Flood Hazard Area	Zone AO, within 500 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	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 97% of the US · lower than 98.5% 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.

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 198 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

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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