115 Saddlebrook Ln, Hampstead, NC 28443 Property Records

Pender County property record for 115 Saddlebrook Ln, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,199 sqft · built 2013
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Company Names on Record
Last Sale	$700,000 (Dec 2017)
Tax Bill	$6,408 (2025)
Deeds & Mortgages	May 2025 Line of Credit Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3281-75-3767-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-75-3767-0000`
Alternative APNs	`000057803` `978128`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,199 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	117,176 sqft (2.69 acres)
Garage Type	Detached
Garage Area	3,904 sqft

Exterior Amenities

Porch	Porch
Porch Area	150 sqft
Deck Area	136 sqft
Patio Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000057803
Street Address	115 SADDLEBROOK LN
City	HAMPSTEAD
State	NC
Zip	28443-0089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SEEMAP
Legal Description	LT 23 PB 51/65 WHITEBRIDGE
Legal Subdivision	WHITEBRIDGE
Legal Lot Number	23
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1002
Census Tract	920202

Owner

Source: Pender County records, as of January 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	115 SADDLEBROOK LN, HAMPSTEAD, NC 28443-0089
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
May 8, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 29, 2024	Intrafamily Transfer, Transfer
Dec 8, 2017	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2017 · Amount on Record
Deed Sale	Dec 8, 2017 · Amount on Record
Prior Sale	Oct 11, 2013 · Amount on Record
Deed Document Number	20174656-0008
Deed Book / Page	4656 / 8
Last Transfer Date	Apr 29, 2024
Transfer Doc	0048351844
Record Updated	Jun 8, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	115 SADDLEBROOK LN, HAMPSTEAD, NC 28443-0089
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY NON C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048622816
Date	May 8, 2025
Book Page	4862/2816

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 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PENDER NC
Recording Date	Apr 29, 2024
Property Address	115 SADDLEBROOK LN, HAMPSTEAD, NC 28443-0089
Document Number	0048351844
Book / Page	4835 / 1844
Map Reference	MB 51 PG 65
Instrument Date	Apr 29, 2024
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	115 SADDLEBROOK LN, HAMPSTEAD, NC 28443-0089

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Dec 8, 2017
Property Address	115 SADDLEBROOK LN, HAMPSTEAD, NC 28443-0089
Document Number	0046560008
Book / Page	4656 / 0008
Map Reference	MB51 PG65
Instrument Date	Dec 7, 2017
Instrument	4656-0008
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2220 ORCHARD MILL RD, 2220, HAMPSTEAD, NC 28443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	115 SADDLE BROOK LN, HAMPSTEAD, NC 28443-0089

Mortgage

Document Number	46560011
Date	Dec 8, 2017
Instrument	4656-0011

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$6,408.00 (+12.48%)	$1,132,794 (+68.78%) Land $228,730 Building $904,064	$1,132,794 (+68.78%) Land $228,730 Building $904,064
2023		$671,150 (-) Land $146,125 Building $525,025	$671,150 (-) Land $146,125 Building $525,025
2022	$5,697.00	$671,150 Land $146,125 Building $525,025	$671,150 Land $146,125 Building $525,025

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 58% of the US · above 81% 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.

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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