109 Hickory Cir, Hampstead, NC 28443 Property Records

Pender County property record for 109 Hickory Cir, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,046 sqft · built 1995
Lot Size	0.562 acres (24,481 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jan 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`4203-96-3066-0000`

Property Details

APN / Parcel Number

Primary APN	`4203-96-3066-0000`
Alternative APNs	`400016523` `16523`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,046 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	24,481 sqft (0.562 acres)
Lot Dimensions	240 ft deep x 102 ft wide

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Shed	1 Shed
Shed Area	108 sqft
Canopy	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	400016523
Street Address	109 HICKORY CIR
City	HAMPSTEAD
State	NC
Zip	28443-2533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	L331,PB 16/20 BELVEDERE
Legal Subdivision	BELVEDERE
Legal Lot Number	331
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	3
Census Block	3002
Census Tract	920201

Owner

Source: Pender County records, as of January 27, 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
Mailing Address	PO BOX 1254, HAMPSTEAD, NC 28443-1254
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 18, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 14, 2013
Transfer Doc	0043340158
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	109 HICKORY CIR, HAMPSTEAD, NC 28443-2533
Transaction Type	Mortgage
Record Updated	Sep 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047630211
Date	Aug 27, 2021
Book Page	4763/211

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	WILMINGTON, NC 28404

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	109 HICKORY CIR, HAMPSTEAD, NC 28443-2533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046360209
Date	Jan 18, 2017
Book Page	4636/209

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

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	$3,009.00 (+9.5%)	$758,425 (+149.66%) Land $150,648 Building $607,777	$758,425 (+149.66%) Land $150,648 Building $607,777
2023		$303,782 (-) Land $43,993 Building $259,789	$303,782 (-) Land $43,993 Building $259,789
2022	$2,748.00	$303,782 Land $43,993 Building $259,789	$303,782 Land $43,993 Building $259,789

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 124 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	124 in force
Nearby Flood Claims	22 (1996–2018)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 18 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	BELVEDERE PLANTATION private · serves 3,462 people · EPA ID NC0471111
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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