124 Windjammer Dr, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 124 Windjammer Dr, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,710 sqft · built 2019
Lot Size	0.403 acres (17,555 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Apr 2017)
Tax Bill	$4,667 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`4224-60-5278-0000`

Property Details

APN / Parcel Number

Primary APN	`4224-60-5278-0000`
Alternative APNs	`400975037` `975037`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,710 sqft Total Area

Exterior

Year Built	Built 2019
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Pile
Lot Area	17,555 sqft (0.403 acres)
Lot Dimensions	307 ft deep x 50 ft wide
Cabin	Cabin
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	400975037
Old Parcel Number	4224 60 5278 0000
Street Address	124 WINDJAMMER DR
City	SURF CITY
State	NC
Zip	28445-7856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	L3,PB 39/114 PIRATES COVE
Legal Subdivision	PIRATES COVE
Legal Lot Number	3
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1055
Census Tract	920106

Owner

124 Windjammer Dr is owned and occupied by an individual who bought it in April 2017.

Source: Pender County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	124 WINDJAMMER DR, SURF CITY, NC 28445-7856
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 21, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2017 · Amount on File
Deed Sale	Apr 21, 2017 · Amount on File
Prior Sale	Feb 24, 2014
Deed Document Number	0020974641
Deed Book / Page	2097 / 4641
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	124 WINDJAMMER DR, HOLLY RIDGE, NC 28445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046862933
Date	Jun 17, 2019
Book Page	4686/2933

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 21, 2017
Property Address	124 WINDJAMMER DR, HOLLY RIDGE, NC 28445
Document Number	0046412097
Book / Page	4641 / 2097
Map Reference	MB 58 PG 75
Instrument Date	Apr 21, 2017
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 WINDJAMMER DR, 122, NAKINA, NC 28455

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 MARE POND PL, CLARKTON, NC 28433

Mortgage

Document Number	46412100
Date	Apr 21, 2017
Instrument	4641/2100

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	May 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 124 Windjammer Dr was $4,667.

Source: Pender County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Pender County
Municipality	Surf City Town
Unified School District	Pender County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,667.00	$1,940,766 Land $295,525 Building $1,645,241	$1,940,766 Land $295,525 Building $1,645,241
2023		$562,322 Land $318,478 Building $243,844	$562,322 Land $318,478 Building $243,844

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 124 Windjammer Dr 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	11.0 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	Hurricane Florence, Sep 2018 · 385 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 82 claims Hurricane Fran, Sep 1996 · 103 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

Wildfire risk around 124 Windjammer Dr is low, with less than 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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 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

Cell Coverage

5G (outdoors only) and 4G LTE

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