431 Ivy Neck Rd, Camden, NC 27921 Property Records

Camden County property record for 431 Ivy Neck Rd, Camden, NC 27921

Property Summary

Property Type	Mobile Home
Details	3 bd · 2.5 ba · 2,052 sqft · built 1999
Lot Size	8.44 acres (367,646 sqft)
Owner	2 Individual Names on File
Last Sale	$398,500 (May 2025)
Tax Bill	$2,294 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02.8955.00.25.7372.0000`

Property Details

APN / Parcel Number

Primary APN	`02.8955.00.25.7372.0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	2,052 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	367,646 sqft (8.44 acres)

Exterior Amenities

Porch	Slab
Porch Area	105 sqft
Deck Area	136 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	431 IVY NECK RD
City	CAMDEN
State	NC
Zip	27921-7546
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	GUD
Legal Description	E C SPENCE SEE 12-E-54
Legal Subdivision	E C SPENCER ESTATE
Legal Lot Number	1
Jurisdiction	CAMDEN NC
Township / Civil Division	COURTHOUSE
Census Block Group	1
Census Block	1006
Census Tract	950102

Owner

431 Ivy Neck Rd, a mobile home, is owned and occupied by two individuals who bought it in May 2025.

Source: Camden County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	431 IVY NECK RD, CAMDEN, NC 27921-7546
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Construction Mortgage ATLANTIC COAST MORTGAGE
Jan 26, 2024	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 12, 2022	Warranty Deed, Transfer · VA Mortgage HOMESPIRE MORTGAGE CORP
Feb 3, 2022	Warranty Deed, Transfer
Apr 5, 2021	Land Contract, Transfer · Land Contract NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2025 · Amount on File
Deed Sale	May 16, 2025 · Amount on File
Prior Sale	Aug 12, 2022 · Amount on File
Deed Document Number	2025219404
Deed Book / Page	455 / 441
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NC
Recording Date	Apr 17, 2026
Property Address	431 IVY NECK RD, CAMDEN, NC 27921-7546
Document Number	0000221352
Book / Page	467 / 814
Instrument Date	Mar 2, 2026
Instrument	2026221352
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PRIOR TITLE, PRIORITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 IVY NECK RD, CAMDEN, NC 27921-7546

Mortgage

Document Number	0000221352,
Date	Apr 17, 2026
Book Page	467/814
Instrument	2026221352

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMDEN NC
Property Address	431 IVY NECK RD, CAMDEN, NC 27921-7546
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000441/532
Date	Jan 26, 2024
Book Page	441/532
Instrument	217346

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMDEN NC
Recording Date	Aug 12, 2022
Property Address	431 IVY NECK RD, CAMDEN, NC 27921-7546
Document Number	000428/607
Book / Page	428 / 607
Map Reference	MB 46 PG 346
Instrument Date	Jun 1, 2022
Instrument	215054
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 IVY NECK RD, 319, CAMDEN, NC 27921-7579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 IVY NECK RD, CAMDEN, NC 27921-7546

Mortgage

Document Number	0000215055
Date	Aug 12, 2022
Instrument	215055

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMDEN NC
Recording Date	Feb 3, 2022
Property Address	431 IVY NECK RD, CAMDEN, NC 27921-7546
Document Number	0000421/53
Book / Page	421 / 53
Map Reference	MB 46 PG 346
Instrument Date	Feb 2, 2022
Instrument	213750
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 BRIDGE CT APT 203, 500, CAMDEN, NC 27921-7021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 IVY NECK RD, CAMDEN, NC 27921-7579

April 2021: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	CAMDEN NC
Recording Date	Apr 5, 2021
Property Address	431 IVY NECK RD, CAMDEN, NC 27921-7546
Document Number	407/344
Book / Page	407 / 344
Instrument Date	Mar 17, 2021
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Apr 5, 2021

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 431 Ivy Neck Rd was $2,294, down 1% from the year before.

Source: Camden County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,294.00 (-0.99%)	$309,938 (+4.59%) Land $117,852 Building $192,086	$309,938
2025	$2,317.00	$296,338 Land $117,852 Building $178,486
2023		$292,274 Land $117,488 Building $174,786	$296,338 Land $117,852 Building $178,486

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 431 Ivy Neck Rd in Zone X, an area of minimal flood risk, though there have been 119 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective December 21, 2018 · 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 File median of 127 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	156 units insured incl. 29 condo units
Nearby Flood Claims	119 (1993–2020)
Claims Outside the SFHA	5 of 119
Most Recent Claim	Aug 2020 · Hurricane Isaias
Claims by Event	Hurricane Isaias, Aug 2020 · 11 claims Hurricane Isabel, Sep 2003 · 11 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 49 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

Wildfire risk around 431 Ivy Neck Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	SOUTH CAMDEN WTR & SWR DISTRCT serves 9,717 people · EPA ID NC0415015
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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