Pender County property record for 118 Joy Ln, Atkinson, NC 28421
| Property Type | Single Family Home |
|---|---|
| Lot Size | 8.48 acres (369,389 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Apr 2022) |
| Tax Bill | $2,118 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 2255-99-1510-0000 |
| Primary APN | 2255-99-1510-0000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 369,389 sqft (8.48 acres) |
|---|
| Account Number | 000046470 |
|---|---|
| Street Address | 118 JOY LN |
| City | ATKINSON |
| State | NC |
| Zip | 28421-9263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FA |
| Legal Description | 8.48 AC,PB 37/138 RUSSELL EDWARD DAWSON DIV |
| Jurisdiction | PENDER NC |
| Township / Civil Division | CASWELL |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 920501 |
118 Joy Ln is owned by two individuals who bought it in April 2022.
Source: Pender County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 219, CURRIE, NC 28435-0219 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SCHUMACHER MORTGAGE LLC |
| Aug 11, 2017 | Deed of Trust, Mortgage · Line of Credit TELCO CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2022 · Amount on File |
| Deed Sale | Apr 7, 2022 · Amount on File |
| Prior Sale | Dec 12, 2013 |
| Deed Document Number | 202220100385 |
| Deed Book / Page | 4784 / 2172 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 118 JOY LN, ATKINSON, NC 28421-9263 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2023 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO LLC |
| Name | Verified Name |
|---|
| Document Number | 0047940411 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 4794/411 |
| Name | SCHUMACHER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CANTON, OH 44708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 370 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | ATKINSON, NC 28421 |
| Document Number | 0046490957 |
| Instrument Date | Aug 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 1152 POINT CASWELL RD ATKINSON NC 284219636, ATKINSON, NC 28421-9636 |
| Document Number | 0046490957 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 004649/000957 |
| Instrument | 20027380 |
| Name | TELCO CU |
|---|---|
| Type | Credit Union |
| Address | TARBORO, NC 27886 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 15, 2032 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 118 Joy Ln was $2,118.
Source: Pender County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Unified School District | Pender County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,118.00 | $91,823 Land $91,823 | $91,823 Land $91,823 |
| 2023 | $43,690 (-) Land $43,690 | $43,690 (-) Land $43,690 | |
| 2022 | $352.00 | $43,690 Land $43,690 | $43,690 Land $43,690 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 118 Joy Ln in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1996.
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 File median of 48 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 55 (1996–2018) |
| Claims Outside the SFHA | 7 of 55 |
| 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.
Wildfire risk around 118 Joy Ln is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 78% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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, as of December 31, 2025
4G LTE (outdoors only), no 5G reported
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