181 Royal Tern Dr, Hampstead, NC 28443 Property Records

Pender County property record for 181 Royal Tern Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,340 sqft · built 2004
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Oct 2024)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4215-43-1099-0000`

Property Details

APN / Parcel Number

Primary APN	`4215-43-1099-0000`
Alternative APNs	`000059289` `943956`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,340 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Detached
Garage Area	418 sqft
Porch	Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	000059289
Street Address	181 ROYAL TERN DR
City	HAMPSTEAD
State	NC
Zip	28443-7219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SEEMAP
Legal Description	L219, PB 36/80, COTTAGES @PELICAN
Legal Subdivision	COTTAGES @ PELICAN REEF
Legal Lot Number	219
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2022
Census Tract	920104

Owner

Source: Pender County records, as of January 27, 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 Record
Mailing Address	181 ROYAL TERN DR, HAMPSTEAD, NC 28443-7219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Prior Sale	Jan 12, 2012 · Amount on Record
Deed Document Number	202420134793
Deed Book / Page	4849 / 2289
Prior Transfer Date	Nov 10, 2010
Prior Transfer Doc	0038500078
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	181 ROYAL TERN DR, HAMPSTEAD, NC 28443-7219
Transaction Type	Mortgage
Record Updated	Nov 2, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048000705
Date	Oct 25, 2022
Book Page	4800/705

Lender

Name	CORNING FCU
Type	Credit Union
Address	CORNING, NY 14830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Pender County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,271.00 (+15.05%)	$359,967 (+60.75%) Land $124,800 Building $235,167	$359,967 (+60.75%) Land $124,800 Building $235,167
2023		$223,932 (-) Land $59,044 Building $164,888	$223,932 (-) Land $59,044 Building $164,888
2022	$1,974.00	$223,932 Land $59,044 Building $164,888	$223,932 Land $59,044 Building $164,888

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 January 17, 2025 · 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 136 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 4 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	Moderate above 63% of the US · above 86% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30