111 Seneca Reef Dr, Hampstead, NC 28443 Property Records

Pender County property record for 111 Seneca Reef Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,382 sqft · built 2019
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,000 (Jun 2019)
Tax Bill	$3,258 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3281-86-1098-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-86-1098-0000`
Alternative APNs	`000029233` `978261`

Interior

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

Exterior

Year Built	Built 2019
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000029233
Street Address	111 SENECA REEF DR
City	HAMPSTEAD
State	NC
Zip	28443-7258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LT 55 PB 61/91 SENECA REEF
Legal Subdivision	SENECA REEF
Legal Lot Number	55
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

Owner

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	2 Individual Names on Record
Mailing Address	111 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jun 26, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2019 · Amount on Record
Deed Sale	Jun 26, 2019 · Amount on Record
Deed Document Number	0023234687
Deed Book / Page	2323 / 4687
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	111 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047820789
Date	Mar 14, 2022
Book Page	4782/789

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PENDER NC
Recording Date	Jun 26, 2019
Property Address	111 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Document Number	0046872323
Book / Page	004687 / 002323
Instrument Date	Jun 21, 2019
Instrument	20050786
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$588.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	111 SENECA REEF DR HAMPSTEAD NC 284437258, HAMPSTEAD, NC 28443-7258

Mortgage

Document Number	46872325
Date	Jun 26, 2019
Book Page	004687/002325
Instrument	20050787

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2049

Tax Assessment & Valuation

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	$3,258.00 (+13.84%)	$556,949 (+68.46%) Land $69,250 Building $487,699	$556,949 (+68.46%) Land $69,250 Building $487,699
2023		$330,616 (-) Land $66,150 Building $264,466	$330,616 (-) Land $66,150 Building $264,466
2022	$2,862.00	$330,616 Land $66,150 Building $264,466	$330,616 Land $66,150 Building $264,466

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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