Pender County property record for 1108 Terraces Ln, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,444 sqft · built 2023 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $432,500 (Mar 2026) |
| Tax Bill | $2,181 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4215-97-1923-0000 |
| Primary APN | 4215-97-1923-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,444 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 000054809 |
|---|---|
| Street Address | 1108 TERRACES LN |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-7268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 26 PB 69/105 THE TERRACES PH 2 |
| Legal Subdivision | THE TERRACES |
| Legal Phase | 2 |
| Legal Lot Number | 26 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 920104 |
Source: Pender County records, as of March 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2026 | Correction Deed |
| Mar 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage MVB HOME LOANS |
| Mar 5, 2024 | Warranty Deed, Subdivision Related Transfer |
| Apr 14, 2022 | Special Warranty Deed, Transfer · Commercial Mortgage WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2026 · Amount on Record |
| Deed Sale | Mar 6, 2026 · Amount on Record |
| Prior Sale | Mar 5, 2024 · Amount on Record |
| Deed Document Number | 0048861334 |
| Deed Book / Page | 4886 / 1334 |
| Record Updated | Jun 8, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Mar 27, 2026 |
| Property Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0048880733 |
| Book / Page | 4888 / 733 |
| Map Reference | MB 6 PG 104 |
| Instrument Date | Mar 26, 2026 |
| Record Updated | Apr 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 159 S BANDWHEEL WAY, HAMPSTEAD, NC 28443-2037 |
| Name | Verified Name |
|---|---|
| Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Mar 6, 2026 |
| Property Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0048861334 |
| Book / Page | 4886 / 1334 |
| Map Reference | MB 6 PG 105 |
| Instrument Date | Mar 3, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $865.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 159 S BANDWHEEL WAY, HAMPSTEAD, NC 28443-2037 |
| Name | Verified Name |
|---|---|
| Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0048861336 |
|---|---|
| Date | Mar 6, 2026 |
| Book Page | 4886/1336 |
| Name | MVB HOME LOANS |
|---|---|
| Type | Non-Lending Institution |
| Address | MIDDLETOWN, MD 21769 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.3% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Mar 5, 2024 |
| Property Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0048311878 |
| Book / Page | 4831 / 1878 |
| Map Reference | MB 69 PG 105 |
| Instrument Date | Mar 4, 2024 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9147, GREENSBORO, NC 27429-0147 |
| Name | Verified Name |
|---|---|
| Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Apr 14, 2022 |
| Property Address | 1108 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0047851546 |
| Book / Page | 4785 / 1546 |
| Map Reference | MB 69 PG 105 |
| Instrument Date | Apr 13, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7923 REUNION RD, WILMINGTON, NC 28411-9266 |
| Name | Verified Name |
|---|---|
| Address | 402 N 4TH ST, BATON ROUGE, LA 70802-5506 |
| Investor | Possibly a Property Investor |
| Document Number | 0047851550 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 4785/1550 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,181.00 | $408,927 (+742.97%) Land $33,600 Building $375,327 | $408,927 (+742.97%) Land $33,600 Building $375,327 |
| 2023 | $48,510 Land $48,510 | $48,510 Land $48,510 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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 | Moderate above 62% of the US · above 84% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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