428 Royal Tern Dr, Hampstead, NC 28443 Property Records

Pender County property record for 428 Royal Tern Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,042 sqft · built 2000
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Tax Bill	$3,133 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4215-52-3666-0000`

Property Details

APN / Parcel Number

Primary APN	`4215-52-3666-0000`
Alternative APNs	`000061203` `894334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,042 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	20,038 sqft (0.46 acres)
Porch	Porch
Porch Area	114 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000061203
Street Address	428 ROYAL TERN DR
City	HAMPSTEAD
State	NC
Zip	28443-7175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LT 175,PB 32/83 PELICAN REEF
Legal Subdivision	PELICAN REEF
Legal Lot Number	175
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2022
Census Tract	920104

Owner

Source: Pender County records, as of August 21, 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	428 ROYAL TERN DR, HAMPSTEAD, NC 28443-7175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Intrafamily Transfer, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP
Apr 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2025
Deed Sale	Feb 5, 2025
Prior Sale	Dec 28, 2023
Deed Document Number	202520137811
Deed Book / Page	4855 / 2618
Prior Transfer Date	Jan 31, 2025
Prior Transfer Doc	0020137811
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PENDER NC
Recording Date	Dec 28, 2023
Property Address	428 ROYAL TERN DR, HAMPSTEAD, NC 28443-7175
Document Number	0048272551
Book / Page	4827 / 2551
Map Reference	MB 32 PG 83
Instrument Date	Dec 19, 2023
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 ROYAL TERN DR, HAMPSTEAD, NC 28443-7175

Mortgage

Document Number	0048272554
Date	Dec 28, 2023
Instrument	4827-2554

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2025

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	428 ROYAL TERN DR, HAMPSTEAD, NC 28443-7175
Document Number	0047102949
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	428 ROYAL TERN DR HAMPSTEAD NC 284437175, HAMPSTEAD, NC 28443-7175

Mortgage

Document Number	0047102949
Date	May 5, 2020
Book Page	004710/002949
Instrument	20063055

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

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	$3,133.00 (+9.55%)	$622,291 (+96.2%) Land $113,600 Building $508,691	$622,291 (+96.2%) Land $113,600 Building $508,691
2023		$317,171 (-) Land $56,608 Building $260,563	$317,171 (-) Land $56,608 Building $260,563
2022	$2,860.00	$317,171 Land $56,608 Building $260,563	$317,171 Land $56,608 Building $260,563

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 59% of the US · above 81% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Cell Coverage

5G (outdoors only) and 4G LTE

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