103 Sago Ct, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 103 Sago Ct, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,324 sqft · built 2002
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Dec 2020)
Tax Bill	$1,254 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4235-12-9663-0000`

Property Details

APN / Parcel Number

Primary APN	`4235-12-9663-0000`
Alternative APNs	`000036573` `971512`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,970 sqft (0.16 acres)
Deck Area	192 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	000036573
Old Parcel Number	4235 12 9663 0000
Street Address	103 SAGO CT
City	SURF CITY
State	NC
Zip	28445-8767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	INCORP
Legal Description	L2,PB 34/37 TROPICAL WINDS
Legal Subdivision	TROPICAL WINDS
Legal Tract	O
Legal Lot Number	2
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1017
Census Tract	920104

Owner

103 Sago Ct is owned and occupied by an individual who bought it in December 2020.

Source: Pender County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	103 SAGO CT, SURF CITY, NC 28445-8767
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Jun 24, 2016 · Amount on File
Deed Document Number	0023384734
Deed Book / Page	2338 / 4734
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Dec 14, 2020
Property Address	103 SAGO CT, SURF CITY, NC 28445-8767
Document Number	0047342338
Book / Page	4734 / 2338
Map Reference	MB 34 PG 37
Instrument Date	Dec 9, 2020
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SAGO CT, SURF CITY, NC 28445-8767

Mortgage

Document Number	0047342341
Date	Dec 14, 2020
Instrument	4734/2341

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 103 Sago Ct was $1,254.

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	$1,254.00	$254,066 Land $37,800 Building $216,266	$254,066 Land $37,800 Building $216,266
2023		$151,160 (-) Land $28,199 Building $122,961	$151,160 (-) Land $28,199 Building $122,961
2022	$1,114.00	$151,160 Land $28,199 Building $122,961	$151,160 Land $28,199 Building $122,961

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

Flood

FEMA maps place 103 Sago Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	3 (2016–2018)
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 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 103 Sago Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% 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 262 locations within half a mile, as of December 31, 2025

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