1035 Garden Rd, Willard, NC 28478 Property Records

Pender County property record for 1035 Garden Rd, Willard, NC 28478

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,067 sqft · built 1972
Lot Size	0.569 acres (24,829 sqft)
Owner	2 Individuals on Record
Tax Bill	$1,039 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2383-54-5879-0000`

Property Details

APN / Parcel Number

Primary APN	`2383-54-5879-0000`
Alternative APNs	`400975575` `975575`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,067 sqft Living Area
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1972
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	24,829 sqft (0.569 acres)
Garage Type	Detached
Garage Area	308 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	400975575
Old Parcel Number	2383 54 5879 0000
Street Address	1035 GARDEN RD
City	WILLARD
State	NC
Zip	28478-6801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	L 53,PB 12/37 LEA ACRES
Legal Subdivision	LEA ACRES
Legal Lot Number	53
Jurisdiction	PENDER NC
Township / Civil Division	UNION
Census Block Group	3
Census Block	3032
Census Tract	920300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Penderlea Homesteads Historic District listed 2013 · 197 contributing resources · NRIS 13000803

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	2 Individuals on Record
Co-owner	Co-owner on Record
Mailing Address	1035 GARDEN RD, WILLARD, NC 28478-6801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
May 17, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage ROYAL UNITED MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017
Deed Sale	May 17, 2017
Deed Document Number	0009924643
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	1035 GARDEN RD, WILLARD, NC 28478-6801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047192417
Date	Jul 30, 2020
Book Page	4719/2417

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

May 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	PENDER NC
Recording Date	May 17, 2017
Property Address	1035 GARDEN RD, WILLARD, NC 28478-6801
Document Number	0046430992
Book / Page	004643 / 000992
Instrument Date	May 12, 2017
Instrument	20023813
Transaction Type	Mortgage
Record Updated	May 30, 2017
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1035 GARDEN RD WILLARD NC 284786801, WILLARD, NC 28478-6801

Mortgage

Document Number	46430995
Date	May 17, 2017
Book Page	004643/000995
Instrument	20023814

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 16, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,039.00 (+6.45%)	$188,560 (+108.89%) Land $14,276 Building $174,284	$188,560 (+108.89%) Land $14,276 Building $174,284
2023		$90,268 (-) Land $16,400 Building $73,868	$90,268 (-) Land $16,400 Building $73,868
2022	$976.00	$90,268 Land $16,400 Building $73,868	$90,268 Land $16,400 Building $73,868

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1999–2018)
Claims Outside the SFHA	2 of 3
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

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LEA ACRES WATER CO INC private · serves 120 people · EPA ID NC0471113
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Focus Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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