108 Topsail Watch Ln, Hampstead, NC 28443 Property Records

Pender County property record for 108 Topsail Watch Ln, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,191 sqft · built 1993
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Mar 2020)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`4224-66-6865-0000`

Property Details

APN / Parcel Number

Primary APN	`4224-66-6865-0000`
Alternative APNs	`000036290` `965154`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,191 sqft Living Area
Basement Area	4,322 sqft
Unfinished Basement	4,322 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Lot Area	39,640 sqft (0.91 acres)
Lot Dimensions	261 ft deep x 105 ft wide

Exterior Amenities

Porch	Porch
Porch Area	126 sqft
Deck Area	176 sqft
Shed	1 Shed
Shed Area	96 sqft
Cabin	Cabin

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	000036290
Street Address	108 TOPSAIL WATCH LN
City	HAMPSTEAD
State	NC
Zip	28443-2728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FA
Legal Description	L 2, PB 21/78, PIRATES COVE
Legal Subdivision	TOPSAIL WATCH
Legal Lot Number	2
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2034
Census Tract	920104

Owner

108 Topsail Watch Ln is owned and occupied by two individuals who bought it in March 2020.

Source: Pender County records, as of May 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 TOPSAIL WATCH LN, HAMPSTEAD, NC 28443-2728
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

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Mar 20, 2020	Warranty Deed, Transfer · VA Mortgage ALPHA MORTGAGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2020 · Amount on File
Deed Sale	Mar 20, 2020 · Amount on File
Deed Book / Page	4707 / 638
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	108 TOPSAIL WATCH LN, HAMPSTEAD, NC 28443-2728
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047362967
Date	Jan 5, 2021
Book Page	4736/2967

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Mar 20, 2020
Property Address	108 TOPSAIL WATCH LN, HAMPSTEAD, NC 28443-2728
Document Number	0047070638
Book / Page	4707 / 638
Map Reference	MB 21 PG 78
Instrument Date	Mar 11, 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	$1,130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 297, MC LEANSVILLE, NC 27301-0297

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 TOPSAIL WATCH LN, HAMPSTEAD, NC 28443-2728

Mortgage

Document Number	0004707641
Date	Mar 20, 2020
Instrument	4707/641

Lender

Name	ALPHA MORTGAGE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 108 Topsail Watch Ln was $2,532.

Source: Pender County assessment roll, as of January 27, 2026

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	$2,532.00	$445,010 Land $64,807 Building $380,203	$445,010 Land $64,807 Building $380,203
2023		$294,337 (-) Land $42,799 Building $251,538	$294,337 (-) Land $42,799 Building $251,538
2022	$2,685.00	$294,337 Land $42,799 Building $251,538	$294,337 Land $42,799 Building $251,538

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

Flood

FEMA maps place 108 Topsail Watch Ln in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 4 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 108 Topsail Watch Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 146 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

Cell Coverage

5G (outdoors only) and 4G LTE

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