125 Cove Side Ln, Hampstead, NC 28443 Property Records

Pender County property record for 125 Cove Side Ln, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,231 sqft · built 2024
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (Dec 2025)
Tax Bill	$2,284 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4224-13-5917-0000`

Property Details

APN / Parcel Number

Primary APN	`4224-13-5917-0000`
Alternative APNs	`000049669` `884531`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,231 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	000049669
Street Address	125 COVE SIDE LN
City	HAMPSTEAD
State	NC
Zip	28443-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	L24,PB 39/87 PELICAN SOUND
Legal Subdivision	PELICAN SOUND
Legal Lot Number	24
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1015
Census Tract	920201

Owner

125 Cove Side Ln is owned and occupied by two individuals who bought it in December 2025.

Source: Pender County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	125 COVE SIDE LN, HAMPSTEAD, NC 28443-3812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Apr 7, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Apr 7, 2022 · Amount on File
Deed Document Number	202520150439
Deed Book / Page	4881 / 1094
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Recording Date	Aug 26, 2026
Property Address	125 COVE SIDE LN, HAMPSTEAD, NC 28443-3812
Document Number	0020160342
Book / Page	4901 / 1516
Instrument Date	Aug 21, 2026
Instrument	202620160342
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 COVE SIDE LN, HAMPSTEAD, NC 28443-3812

Mortgage

Document Number	0020160342,
Date	Aug 26, 2026
Book Page	4901/1516
Instrument	202620160342

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Dec 30, 2025
Property Address	125 COVE SIDE LN, HAMPSTEAD, NC 28443-3812
Document Number	0048811094
Book / Page	4881 / 1094
Map Reference	MB 39 PG 87
Instrument Date	Dec 16, 2025
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4116 WAYLON RD, WILMINGTON, NC 28411-7204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 COVE SIDE LN, HAMPSTEAD, NC 28443-3812

Mortgage

Document Number	0048811097
Date	Dec 30, 2025
Instrument	4881/1097

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year CMT
Margin	2
Max Rate	11.3%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 7, 2022
Property Address	125 COVE SIDE LN, HAMPSTEAD, NC 28443-3812
Document Number	0047842138
Book / Page	4784 / 2138
Map Reference	MB 39 PG 87
Instrument Date	Mar 23, 2022
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8819 CHAMPION HILLS DR, WILMINGTON, NC 28411-8116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4116 WAYLON RD, WILMINGTON, NC 28411-7204
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 125 Cove Side Ln was $2,284, up 101.2% from the year before.

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	$2,284.00 (+101.23%)	$572,014 (+366.16%) Land $56,805 Building $515,209	$572,014 (+366.16%) Land $56,805 Building $515,209
2024	$1,135.00	$122,707 (-) Land $122,707	$122,707 (-) Land $122,707
2023		$122,707 (-) Land $122,707	$122,707 (-) Land $122,707
2022	$1,021.00	$122,707 Land $122,707	$122,707 Land $122,707

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 125 Cove Side Ln in Zone X, an area of minimal flood risk, though there have been 74 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 167 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	74 (1996–2018)
Claims Outside the SFHA	27 of 74
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 27 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 13 claims Hurricane Fran, Sep 1996 · 21 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 125 Cove Side Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 135 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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