103 Windward Dr, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 103 Windward Dr, Surf City, NC 28445 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,144 sqft · built 1994
Lot Size	0.425 acres (18,513 sqft)
Owner	2 Individual Names on File
Last Sale	$87,000 (Jan 1995)
Tax Bill	$2,375 (2025)
Deeds & Mortgages	May 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`4234-35-0363-0000`

Property Details

APN / Parcel Number

Primary APN	`4234-35-0363-0000`
Alternative APNs	`000043785` `31840`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
Basement Area	64 sqft
Unfinished Basement	64 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cottage
Exterior Material	Wood
Roof Type	Gable/Hip
Lot Area	18,513 sqft (0.425 acres)
Lot Dimensions	751 ft deep x 25 ft wide
Deck Area	312 sqft
Cabin	Cabin

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000043785
Street Address	103 WINDWARD DR
City	SURF CITY
State	NC
Zip	28445-6968
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	L5A,PB 28/103 WINDWARD CAY
Legal Subdivision	WINDWARD CAY
Legal Lot Number	5A
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1055
Census Tract	920106

Owner

Source: Pender County records · APN 4234-35-0363-0000

Assessment roll updated January 27, 2026 · Last verified April 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	1116 EDGEMONT RD, WENDELL, NC 27591-7903
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 1995 · Amount on Record
Deed Sale	Jan 04, 1995 · Amount on Record
Deed Book / Page	1022
Last Transfer Date	Apr 23, 2020
Transfer Doc	0047102456
Record Updated	Jun 08, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PENDER NC
Recording Date	May 04, 2020
Property Address	103 WINDWARD DR, SURF CITY, NC 28445-6968
Document Number	0047102456
Book / Page	004710 / 002456
Instrument Date	Apr 23, 2020
Instrument	20062987
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1220 ARUBA CT KNIGHTDALE NC 275459413, KNIGHTDALE, NC 27545-9413

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 27, 2026 · Last verified April 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	$2,375.00 (+12.56%)	$443,381 (+54.92%) Land $179,625 Building $263,756	$443,381 (+54.92%) Land $179,625 Building $263,756
2023		$286,194 (-) Land $167,340 Building $118,854	$286,194 (-) Land $167,340 Building $118,854
2022	$2,110.00	$286,194 Land $167,340 Building $118,854	$286,194 Land $167,340 Building $118,854

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pender County (37141C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371419201061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 2,399 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2,712 units insured (313 under condo master policies) 614 of 2,399 individual policies on primary residences
Nearby Flood Claims	661 (1986–2024)
Claims Outside the SFHA	6 of 661
Most Recent Claim	Sep 2024, tidal / storm surge
Flood Events	Hurricane Florence (Sep 2018), 385 claims Hurricane Floyd Major Disaster Declarations (Sep 1999), 82 claims Hurricane Fran (Sep 1996), 103 claims

Wildfire

Wildfire Risk	Low above 7% of the US · above 5% of North Carolina
Wildfire Likelihood	About 1 in 7,143 per year
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.