1003 Terraces Ln, Hampstead, NC 28443 Property Records

Pender County property record for 1003 Terraces Ln, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,580 sqft · built 2022
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Mar 2026)
Tax Bill	$2,205 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4215-87-7173-0000`

Property Details

APN / Parcel Number

Primary APN	`4215-87-7173-0000`
Alternative APN	`000049582`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,580 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000049582
Street Address	1003 TERRACES LN
City	HAMPSTEAD
State	NC
Zip	28443-7264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 70 PB 67/107 THE TERRACES PH 1
Legal Subdivision	PHASE I THE TERRACES SUBDIVISION
Legal Phase	1
Legal Lot Number	70
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2001
Census Tract	920104

Owner

Source: Pender County records · APN 4215-87-7173-0000

Assessment roll updated January 27, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1003 TERRACES LN, HAMPSTEAD, NC 28443-7264
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Warranty Deed, Transfer · VA Mortgage LUMINATE BANK
Oct 03, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Oct 03, 2022 · Amount on Record
Deed Document Number	202620153665
Deed Book / Page	4887 / 2565
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Mar 24, 2026
Property Address	1003 TERRACES LN, HAMPSTEAD, NC 28443-7264
Document Number	0048872565
Book / Page	4887 / 2565
Map Reference	MB 67 PG 107
Instrument Date	Mar 20, 2026
Transaction Type	Transfer
Record Updated	Apr 06, 2026
Title Company	CLEAR COAST TITLE LLC, CLEAR COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1002 WHISKEY CREEK WAY # WAY108, WAY108, CASTLE HAYNE, NC 28429-7605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 TERRACES LN, HAMPSTEAD, NC 28443-7264

Mortgage

Document Number	0048872567
Date	Mar 24, 2026
Instrument	4887/2567

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Oct 03, 2022
Property Address	1003 TERRACES LN, HAMPSTEAD, NC 28443-7264
Document Number	0047982527
Book / Page	4798 / 2527
Map Reference	MB 67 PG 107
Instrument Date	Sep 15, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$794.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 TERRACES LN, HAMPSTEAD, NC 28443-7264

Mortgage

Document Number	0047982530
Date	Oct 03, 2022
Instrument	4798-2530

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 27, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Pender County
Municipality	Surf City Town
Unified School District	Pender County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,205.00	$457,575 (+72.17%) Land $34,493 Building $423,082	$457,575 (+72.17%) Land $34,493 Building $423,082
2023		$265,776 Land $49,588 Building $216,188	$265,776 Land $49,588 Building $216,188

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 80% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

Based on FCC filings for 128 locations within half a mile of this property.

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