Pender County property record for 105 Windward Dr, Surf City, NC 28445
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,315 sqft · built 2005 |
| Lot Size | 0.878 acres (38,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $52,500 (Feb 1998) |
| Tax Bill | $5,229 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 4234-35-0510-0000 |
| Primary APN | 4234-35-0510-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 2,315 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Foundation Type | Pile |
| Lot Area | 38,246 sqft (0.878 acres) |
| Lot Dimensions | 760 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 276 sqft |
| Deck Area | 534 sqft |
| Cabin | Cabin |
| Canopy | 198 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 000054936 |
|---|---|
| Old Parcel Number | 4234 35 0510 0000 |
| Street Address | 105 WINDWARD DR |
| City | SURF CITY |
| State | NC |
| Zip | 28445-6968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | L6A&B,PB 28/103 WINDWARD CAY |
| Legal Subdivision | WINDWARD CAY |
| Legal Lot Number | 6A |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 920106 |
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 | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 601 W ROSEMARY ST UNIT 611, 611, CHAPEL HILL, NC 27516-2361 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 1998 · Amount on Record |
| Deed Sale | Feb 16, 1998 · Amount on Record |
| Deed Document Number | 0000621309 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 105 WINDWARD DR, SURF CITY, NC 28445-6968 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0047870466 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 4787/466 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | WILMINGTON, NC 28404 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Pender County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Municipality | Surf City Town |
| Unified School District | Pender County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,229.00 (+43.89%) | $968,997 (+53.76%) Land $227,190 Building $741,807 | $968,997 (+53.76%) Land $227,190 Building $741,807 |
| 2023 | $630,190 (+27.88%) Land $287,392 Building $342,798 | $630,190 (+27.88%) Land $287,392 Building $342,798 | |
| 2022 | $3,634.00 | $492,780 Land $287,392 Building $205,388 | $492,780 Land $287,392 Building $205,388 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 11.0 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 23 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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