Pender County property record for 103 Scotch Bonnet Way, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,702 sqft · built 2000 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jun 2025) |
| Tax Bill | $2,252 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4203-61-4135-0000 |
| Primary APN | 4203-61-4135-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,702 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 262 ft deep x 113 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 001033140 |
|---|---|
| Street Address | 103 SCOTCH BONNET WAY |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-2573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20C |
| Legal Description | L 3 PB 12/45 HIDEAWAY SHORES |
| Legal Subdivision | HIDEAWAY SHORES |
| Legal Lot Number | 3 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 920202 |
103 Scotch Bonnet Way is owned and occupied by two individuals who bought it in June 2025.
Source: Pender County records, as of June 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Nov 23, 2020 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2025 · Amount on File |
| Deed Sale | Jun 6, 2025 · Amount on File |
| Prior Sale | Jun 27, 2014 |
| Deed Document Number | 202520142395 |
| Deed Book / Page | 4865 / 118 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | May 15, 2026 |
| Property Address | 103 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2573 |
| Document Number | 0020156065 |
| Book / Page | 4892 / 2643 |
| Instrument Date | May 11, 2026 |
| Instrument | 202620156065 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PRIOR TITLE, PRIORITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 103 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2573 |
| Investor | Possibly a Property Investor |
| Document Number | 0020156065, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 4892/2643 |
| Instrument | 202620156065 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 103 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2573 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047321413 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 4732/1413 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 103 Scotch Bonnet Way was $2,252.
Source: Pender County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Unified School District | Pender County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,252.00 | $355,388 Land $77,333 Building $278,055 | $355,388 Land $77,333 Building $278,055 |
| 2023 | $221,940 (-) Land $77,475 Building $144,465 | $221,940 (-) Land $77,475 Building $144,465 | |
| 2022 | $1,957.00 | $221,940 Land $77,475 Building $144,465 | $221,940 Land $77,475 Building $144,465 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Scotch Bonnet Way in Zone X, an area of minimal flood risk, though there have been 52 flood claims nearby since 1996.
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 93 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 52 (1996–2020) |
| Claims Outside the SFHA | 38 of 52 |
| Most Recent Claim | Aug 2020 · Hurricane Isaias |
| Claims by Event |
|
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 risk around 103 Scotch Bonnet Way is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 70 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 |
May also be available: AT&T, T-Mobile.
5G (outdoors only) and 4G LTE
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