642 Royal Tern Dr, Hampstead, NC 28443 Property Records

Pender County property record for 642 Royal Tern Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,364 sqft · built 2003
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Company Names on Record
Last Sale	$500,000 (Feb 2026)
Tax Bill	$2,770 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4215-62-2198-0000`

Property Details

APN / Parcel Number

Primary APN	`4215-62-2198-0000`
Alternative APNs	`000036096` `977047`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,364 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Detached
Garage Area	624 sqft
Porch	Porch
Porch Area	372 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000036096
Street Address	642 ROYAL TERN DR
City	HAMPSTEAD
State	NC
Zip	28443-7197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LT 235,PB 35/146, PELICAN REEF
Legal Subdivision	PELICAN REEF
Legal Lot Number	235
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2022
Census Tract	920104

Owner

Source: Pender County records, as of April 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	608 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Nov 13, 2020	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 18, 2017	Warranty Deed, Transfer · Conventional Mortgage BRAND MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	202620152392
Deed Book / Page	4885 / 681
Prior Transfer Date	Dec 30, 2005
Prior Transfer Doc	0028570051
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Feb 20, 2026
Property Address	642 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197
Document Number	0048850681
Book / Page	4885 / 681
Map Reference	MB 35 PG 146
Instrument Date	Feb 19, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	642 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	608 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197

Mortgage

Document Number	0004885684
Date	Feb 20, 2026
Instrument	4885/684

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Nov 13, 2020
Property Address	642 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197
Document Number	0047311633
Book / Page	4731 / 1633
Map Reference	MB 35 PG 146
Instrument Date	Nov 13, 2020
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 424, HAMPSTEAD, NC 28443-0424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197

Mortgage

Document Number	0047311636
Date	Nov 13, 2020
Instrument	4731/1636

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Sep 18, 2017
Property Address	642 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197
Document Number	0046510518
Book / Page	4651 / 0518
Map Reference	MB35 PG146
Instrument Date	Apr 14, 2017
Instrument	4651-0518
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 TAFT AVE, 455, GLEN ELLYN, IL 60137-6202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 ROYAL TERN DR, HAMPSTEAD, NC 28443-7197

Mortgage

Document Number	46510522
Date	Sep 18, 2017
Instrument	4651-0522

Lender

Name	BRAND MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

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	$2,770.00 (+9.36%)	$559,551 (+101.35%) Land $128,000 Building $431,551	$559,551 (+101.35%) Land $128,000 Building $431,551
2023		$277,895 (-) Land $59,740 Building $218,155	$277,895 (-) Land $59,740 Building $218,155
2022	$2,533.00	$277,895 Land $59,740 Building $218,155	$277,895 Land $59,740 Building $218,155

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 56% of the US · above 78% 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.

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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