110 Mariners Cay, Rocky Point, NC 28457 Property Records

Pender County property record for 110 Mariners Cay, Rocky Point, NC 28457

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,440 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Apr 2026)
Tax Bill	$5,742 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`3222-69-9921-0000`

Property Details

APN / Parcel Number

Primary APN	`3222-69-9921-0000`
Alternative APNs	`000047032` `962093`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,440 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	300 ft deep x 115 ft wide

Exterior Amenities

Porch	Slab
Porch Area	385 sqft
Deck Area	276 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000047032
Street Address	110 MARINERS CAY
City	ROCKY POINT
State	NC
Zip	28457-8393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SEEMAP
Legal Description	L4,PB 25/130 RIVER HILLS
Legal Subdivision	RIVER HILLS
Legal Lot Number	4
Jurisdiction	PENDER NC
Township / Civil Division	ROCKY POINT
Census Block Group	1
Census Block	1020
Census Tract	920602

Owner

Source: Pender County records, as of June 3, 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	110 MARINERS CAY, ROCKY POINT, NC 28457-8393
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK AND TRUST COMPANY
Apr 14, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 1, 2020	Deed of Trust, Transfer · Construction Mortgage LAURIE MANNING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Apr 14, 2022 · Amount on Record
Deed Document Number	202620154755
Deed Book / Page	4890 / 420
Prior Transfer Date	May 20, 2025
Prior Transfer Doc	0020142572
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393

Mortgage

Document Number	0048351253
Date	Apr 26, 2024
Book Page	4835/1253

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 17, 2026
Property Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393
Document Number	0020154755
Book / Page	4890 / 420
Instrument Date	Apr 17, 2026
Instrument	2026.20154755
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393

Mortgage

Document Number	0020154756,
Date	Apr 17, 2026
Instrument	2026..20154756

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 17, 2026
Property Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393
Document Number	0048900420
Book / Page	4890 / 420
Instrument Date	Apr 17, 2026
Instrument	202620154755
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393

Mortgage

Document Number	0020154756,
Date	Apr 17, 2026
Book Page	4890/423
Instrument	202620154756

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 14, 2022
Property Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393
Document Number	0047851652
Book / Page	4785 / 1652
Map Reference	MB 30 PG 133
Instrument Date	Mar 31, 2022
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 CAMBER DR, 328, CASTLE HAYNE, NC 28429-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393

Mortgage

Document Number	0047851654
Date	Apr 14, 2022
Instrument	4785/1654

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Recording Date	Sep 1, 2020
Property Address	110 MARINERS CAY, ROCKY POINT, NC 28457-8393
Document Number	0047231092
Book / Page	004723 / 001092
Instrument Date	Aug 27, 2020
Instrument	20069235
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MARINERS CAY ROCKY POINT NC 284578393, ROCKY POINT, NC 28457-8393

Mortgage

Document Number	47231092
Date	Sep 1, 2020
Book Page	004723/001092
Instrument	20069235

Lender

Name	LAURIE MANNING
Address	632 INVERARY WAY, WILMINGTON, NC 28405-6207

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 31, 2021

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	$5,742.00 (+10.21%)	$693,788 (+16.42%) Land $46,454 Building $647,334	$693,788 (+16.42%) Land $46,454 Building $647,334
2023		$595,915 (-) Land $180,909 Building $415,006	$595,915 (-) Land $180,909 Building $415,006
2022	$5,210.00	$595,915 Land $180,909 Building $415,006	$595,915 Land $180,909 Building $415,006

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 56 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	24 (1996–2018)
Claims Outside the SFHA	13 of 24
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 19 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.06% 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	PENDER COUNTY UTILITIES serves 32,302 people · EPA ID NC7071011
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2026 Haloacetic acids resolved · Jan 2024 Turbidity resolved · May 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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