109 Rochester St, Hampstead, NC 28443 Property Records

Pender County property record for 109 Rochester St, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,382 sqft · built 2018
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Oct 2018)
Tax Bill	$3,227 (2025)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3281-86-5007-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-86-5007-0000`
Alternative APNs	`000021903` `982173`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,382 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	17,860 sqft (0.41 acres)
Terrain	Rolling

Exterior Amenities

Patio Area	144 sqft
Shed	1 Shed
Shed Area	91 sqft
Lean-To	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	000021903
Street Address	109 ROCHESTER ST
City	HAMPSTEAD
State	NC
Zip	28443-5359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LT 7 PB 61/91 SENECA REEF
Legal Subdivision	SENECA REEF
Legal Lot Number	7
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

Owner

109 Rochester St is owned and occupied by two individuals who bought it in October 2018.

Source: Pender County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 ROCHESTER ST, HAMPSTEAD, NC 28443-5359
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2018 · Amount on File
Deed Sale	Oct 22, 2018 · Amount on File
Deed Document Number	0003184673
Deed Book / Page	318 / 4673
Record Updated	Jun 8, 2026

October 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PENDER NC
Recording Date	Oct 22, 2018
Property Address	109 ROCHESTER ST, HAMPSTEAD, NC 28443-5359
Document Number	0046730318
Book / Page	004673 / 000318
Instrument Date	Oct 18, 2018
Instrument	20041712
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 ROCHESTER ST HAMPSTEAD NC 284435359, HAMPSTEAD, NC 28443-5359

Mortgage

Document Number	46730320
Date	Oct 22, 2018
Book Page	004673/000320
Instrument	20041713

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 109 Rochester St was $3,227.

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	$3,227.00	$556,707 (+70.08%) Land $72,550 Building $484,157	$556,707 (+70.08%) Land $72,550 Building $484,157
2024	$3,227.00	$327,326 (-) Land $67,770 Building $259,556	$327,326 (-) Land $67,770 Building $259,556
2023		$327,326 (-) Land $67,770 Building $259,556	$327,326 (-) Land $67,770 Building $259,556
2022	$2,944.00	$327,326 Land $67,770 Building $259,556	$327,326 Land $67,770 Building $259,556

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

Flood

FEMA maps place 109 Rochester St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 142 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 units insured incl. 4 condo units
Nearby Flood Claims	65 (1996–2024)
Claims Outside the SFHA	26 of 65
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 claims Hurricane Fran, Sep 1996 · 15 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 109 Rochester St is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 80 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

May also be available: AT&T.

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