Onslow County property record for 251 Royal Tern Dr, Sneads Ferry, NC 28460
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,539 sqft · built 2007 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Jan 2022) |
| Tax Bill | $2,280 (2026) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 774G-223 |
| Primary APN | 774G-223 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,539 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,651 sqft (0.52 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 482339000 |
|---|---|
| Street Address | 251 ROYAL TERN DR |
| City | SNEADS FERRY |
| State | NC |
| Zip | 28460-7605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L95 P1S6 MIMOSA BAY |
| Legal Subdivision | MIMOSA BAY P1 S6 |
| Legal Lot Number | 95 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 405 |
251 Royal Tern Dr is owned and occupied by two individuals who bought it in January 2022.
Source: Onslow County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 251 ROYAL TERN DR, SNEADS FERRY, NC 28460-7605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2022 | Warranty Deed, Transfer · VA Mortgage ANGEL OAK HOME LOANS LLC |
| Jun 26, 2019 | Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2022 · Amount on File |
| Deed Sale | Jan 28, 2022 · Amount on File |
| Prior Sale | Jun 26, 2019 · Amount on File |
| Deed Book / Page | 5674 / 157 |
| Prior Transfer Date | Nov 30, 2009 |
| Prior Transfer Doc | 0033360700 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jan 28, 2022 |
| Property Address | 251 ROYAL TERN DR, SNEADS FERRY, NC 28460-7605 |
| Document Number | 0056740157 |
| Book / Page | 5674 / 157 |
| Map Reference | MB 50 PG 191 |
| Instrument Date | Jan 19, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $930.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 251 ROYAL TERN DR, SNEADS FERRY, NC 28460-7605 |
| Document Number | 0005674161 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 5674/161 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Feb 1, 2062 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jun 26, 2019 |
| Property Address | 251 ROYAL TERN DR, SNEADS FERRY, NC 28460-7605 |
| Document Number | 0049710547 |
| Book / Page | 4971 / 547 |
| Map Reference | MB 50 PG 191 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 251 ROYAL TEM DRIVE, SNEADS FERRY, NC 28460 |
| Document Number | 0004971552 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 4971/552 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2026 property tax bill for 251 Royal Tern Dr was $2,280.
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,280.00 | $406,898 (+16.88%) Land $70,000 Building $336,898 | $406,898 (+16.88%) Land $70,000 Building $336,898 |
| 2025 | $2,280.00 | $348,135 Land $65,000 Building $283,135 | $348,135 Land $65,000 Building $283,135 |
| 2023 | $2,280.00 | $348,135 Land $65,000 Building $283,135 | $348,135 Land $65,000 Building $283,135 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 251 Royal Tern Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 12, 2025 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 470 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 470 in force |
| Nearby Flood Claims | 44 (1996–2018) |
| Claims Outside the SFHA | 1 of 44 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| 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.
Wildfire risk around 251 Royal Tern Dr is moderate, ranking above 63% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · above 85% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONSLOW WTR AND SEWER AUTHORITY serves 156,755 people · EPA ID NC0467035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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