101 Oleander Ct, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 101 Oleander Ct, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,748 sqft · built 2018
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Nov 2018)
Tax Bill	$4,699 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`4223-47-7963-0000`

Property Details

APN / Parcel Number

Primary APN	`4223-47-7963-0000`
Alternative APNs	`000025226` `982540`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,748 sqft Living Area
Elevator	Elevator

Exterior

Year Built	Built 2018
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	99 ft deep x 112 ft wide
Shed	1 Shed
Shed Area	120 sqft
Cabin	Cabin

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000025226
Old Parcel Number	4223 47 7963 0000
Street Address	101 OLEANDER CT
City	SURF CITY
State	NC
Zip	28445-6405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 8,PB 35/67 BLAND SHORES
Legal Subdivision	BLAND SHORES
Legal Lot Number	8
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1055
Census Tract	920106

Owner

Source: Pender County records, as of January 26, 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
Co-owner	Co-owner on Record
Mailing Address	101 OLEANDER CT, SURF CITY, NC 28445-6405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Nov 16, 2018	Warranty Deed, Construction Loan · Construction Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Jun 27, 2014 · Amount on Record
Deed Document Number	0016584674
Deed Book / Page	1658 / 4674
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	101 OLEANDER CT, SURF CITY, NC 28445-6405
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047420007
Date	Feb 19, 2021
Book Page	4742/7

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	9.37%
Index	5-Year CMT
Max Rate	9.37%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	101 OLEANDER CT, SURF CITY, NC 28445-6405
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047771388
Date	Jan 20, 2022
Book Page	4777/1388

Lender

Name	FIRSTBANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

November 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Nov 16, 2018
Property Address	101 OLEANDER CT, SURF CITY, NC 28445-6405
Document Number	0046741658
Book / Page	4674 / 1658
Map Reference	MB35 PG67
Instrument Date	Nov 1, 2018
Transaction Type	Construction Loan
Record Updated	Oct 31, 2022

Transaction

Amount	Amount Recorded
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 OLEANDER DR, SURF CITY, NC 28445-6401

Mortgage

Document Number	0046741660
Date	Nov 16, 2018
Instrument	4674/1660

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%
Change Frequency	Annually
Min Rate At Change	6%
Index	3-Year CMT
Max Rate	90.7%

Tax Assessment & Valuation

Source: Pender County assessment roll, as of January 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,699.00 (+12.79%)	$1,140,981 (+101.5%) Land $475,940 Building $665,041	$1,140,981 (+101.5%) Land $475,940 Building $665,041
2023		$566,246 (+0.23%) Land $126,840 Building $439,406	$566,246 (+0.23%) Land $126,840 Building $439,406
2022	$4,166.00	$564,966 Land $126,840 Building $438,126	$564,966 Land $126,840 Building $438,126

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 2,399 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2,712 units insured incl. 313 condo units
Nearby Flood Claims	661 (1986–2024)
Claims Outside the SFHA	6 of 661
Most Recent Claim	Sep 2024 · tidal / storm surge
Claims by Event	Hurricane Florence, Sep 2018 · 385 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 82 claims Hurricane Fran, Sep 1996 · 103 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	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	TOWN OF SURF CITY serves 9,730 people · EPA ID NC0471015
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 81 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

Cell Coverage

5G (outdoors only) and 4G LTE

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