Pender County property record for 1109 Terraces Ln, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,995 sqft · built 2022 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Dec 2025) |
| Tax Bill | $1,927 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4215-88-9064-0000 |
| Primary APN | 4215-88-9064-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,995 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| 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 | Heat Pump |
| Account Number | 000052158 |
|---|---|
| Street Address | 1109 TERRACES LN |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-7268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 30 PB 69/105 THE TERRACES PH 2 |
| Legal Subdivision | THE TERRACES |
| Legal Phase | 2 |
| Legal Lot Number | 30 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 920104 |
Source: Pender County records, as of January 26, 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 | 1109 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 12, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2025 · Amount on Record |
| Deed Sale | Dec 18, 2025 · Amount on Record |
| Prior Sale | Apr 12, 2023 · Amount on Record |
| Deed Document Number | 0048801469 |
| Deed Book / Page | 4880 / 1469 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Dec 18, 2025 |
| Property Address | 1109 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0048801469 |
| Book / Page | 4880 / 1469 |
| Map Reference | MB 69 PG 105 |
| Instrument Date | Dec 9, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3641 SYLVAN LN, ELLICOTT CITY, MD 21043-4425 |
| Name | Verified Name |
|---|---|
| Address | 1109 TERRACES LN, HAMPSTEAD, NC 28443-7268 |
| Document Number | 0048801471 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 4880/1471 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Apr 12, 2023 |
| Property Address | 1109 TERRACES LN, HAMPSTEAD, NC 28443 |
| Document Number | 0048101444 |
| Book / Page | 4810 / 1444 |
| Map Reference | MB 69 PG 105 |
| Instrument Date | Mar 21, 2023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1109 TERRACES LN, MARSHALLBERG, NC 28553 |
| Document Number | 0048101447 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 4810-1447 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
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 | $1,927.00 | $354,178 (+52.55%) Land $33,600 Building $320,578 | $354,178 (+52.55%) Land $33,600 Building $320,578 |
| 2024 | $1,927.00 | $232,169 Land $48,510 Building $183,659 | $232,169 Land $48,510 Building $183,659 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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