Pender County property record for 123 Atkinson Rd, Surf City, NC 28445
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,272 sqft · built 2004 |
| Lot Size | 0.156 acres (6,795 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Jul 2018) |
| Tax Bill | $3,866 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 4234-14-6396-0000 |
| Primary APN | 4234-14-6396-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,272 sqft Living Area |
| Basement Area | 234 sqft |
| Unfinished Basement | 234 sqft |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Lot Area | 6,795 sqft (0.156 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 228 sqft |
| Deck Area | 144 sqft |
| Cabin | Cabin |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 000025709 |
|---|---|
| Street Address | 123 ATKINSON RD |
| City | SURF CITY |
| State | NC |
| Zip | 28445-6791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | L 23,PB 36/44,ATKINSON SHORES |
| Legal Subdivision | ATKINSON SHORES |
| Legal Lot Number | 23 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 920106 |
123 Atkinson Rd is owned and occupied by two individuals who bought it in July 2018.
Source: Pender County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 123 ATKINSON RD, SURF CITY, NC 28445-6791 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jan 2, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST CO INC |
| Oct 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BRAND MORTGAGE GROUP LLC |
| Jul 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage NC HOMEFRONT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Prior Sale | Feb 12, 2008 · Amount on File |
| Deed Book / Page | 4668 / 448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 123 ATKINSON RD, SURF CITY, NC 28445-6791 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY NON C |
| Name | Verified Name |
|---|---|
| Address | 123 ATKINSON RD, SURF CITY, NC 28445-6791 |
| Document Number | 0048811605 |
|---|---|
| Date | Jan 2, 2026 |
| Book Page | 4881/1605 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 123 ATKINSON RD, SURF CITY, NC 28445-6791 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046950060 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 4695/0060 |
| Name | BRAND MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | LAWRENCEVILLE, GA 30043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Jul 3, 2018 |
| Property Address | 123 ATKINSON RD, SURF CITY, NC 28445-6791 |
| Document Number | 0046680448 |
| Book / Page | 4668 / 0448 |
| Map Reference | MB36 PG44 |
| Instrument Date | Jun 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $970.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 123 ATKINSON RD, SURF CITY, NC 28445-6791 |
| Investor | Possibly a Property Investor |
| Document Number | 0004668453 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 4668/453 |
| Name | NC HOMEFRONT MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 123 Atkinson Rd was $3,866.
Source: Pender County assessment roll, as of January 27, 2026
| 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 | $3,866.00 | $866,008 Land $443,443 Building $422,565 | $866,008 Land $443,443 Building $422,565 |
| 2023 | $465,882 (-) Land $108,982 Building $356,900 | $465,882 (-) Land $108,982 Building $356,900 | |
| 2022 | $3,435.00 | $465,882 Land $108,982 Building $356,900 | $465,882 Land $108,982 Building $356,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Atkinson Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 2,399 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2,712 units insured incl. 313 condo units |
| Nearby Flood Claims | 661 (1986–2024) |
| Claims Outside the SFHA | 6 of 661 |
| Most Recent Claim | Sep 2024 · tidal / storm surge |
| 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 123 Atkinson Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SURF CITY serves 9,730 people · EPA ID NC0471015 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 204 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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