540 Royal Tern Dr, Hampstead, NC 28443 Property Records

Pender County property record for 540 Royal Tern Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,421 sqft · built 2005
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Oct 2018)
Tax Bill	$3,069 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4215-52-8455-0000`

Property Details

APN / Parcel Number

Primary APN	`4215-52-8455-0000`
Alternative APNs	`000024995` `982225`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,421 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	22,216 sqft (0.51 acres)
Porch	Porch
Porch Area	441 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000024995
Street Address	540 ROYAL TERN DR
City	HAMPSTEAD
State	NC
Zip	28443-7169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	L181,PB 32/83 PELICAN REEF
Legal Subdivision	PELICAN REEF
Legal Lot Number	181
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2022
Census Tract	920104

Owner

540 Royal Tern Dr is owned and occupied by two individuals who bought it in October 2018.

Source: Pender County records, as of January 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 ROYAL TERN DR, HAMPSTEAD, NC 28443-7169
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
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on File
Deed Sale	Oct 29, 2018 · Amount on File
Prior Sale	Sep 30, 2005 · Amount on File
Deed Book / Page	4673 / 1391
Prior Transfer Date	Jan 30, 2006
Prior Transfer Doc	0028740315
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	540 ROYAL TERN DR, HAMPSTEAD, NC 28443-7169
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047751333
Date	Dec 28, 2021
Book Page	4775/1333

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Oct 29, 2018
Property Address	540 ROYAL TERN DR, HAMPSTEAD, NC 28443-7169
Document Number	0046731391
Book / Page	004673 / 001391
Instrument Date	Oct 11, 2018
Instrument	20041927
Transaction Type	Transfer
Record Updated	Nov 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 ROYAI TERN DR HAMPSTEAD NC 28443, HAMPSTEAD, NC 28443

Mortgage

Document Number	46731394
Date	Oct 29, 2018
Book Page	004673/001394
Instrument	20041928

Lender

Name	EVOLVE BK&TR
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 28, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 540 Royal Tern Dr was $3,069.

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	$3,069.00	$553,459 Land $121,600 Building $431,859	$553,459 Land $121,600 Building $431,859
2023		$310,170 (-) Land $58,349 Building $251,821	$310,170 (-) Land $58,349 Building $251,821
2022	$2,802.00	$310,170 Land $58,349 Building $251,821	$310,170 Land $58,349 Building $251,821

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

Flood

FEMA maps place 540 Royal Tern Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2018.

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 File 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

Wildfire risk around 540 Royal Tern Dr is moderate, ranking above 53% 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 53% of the US · above 75% 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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