Pender County property record for 129 Palm Cottage Dr, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,062 sqft · built 2005 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $251,000 (Jun 2015) |
| Tax Bill | $2,199 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 3281-98-6026-0000 |
| Primary APN | 3281-98-6026-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,062 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 20,038 sqft (0.46 acres) |
| Porch | Porch |
| Porch Area | 70 sqft |
| Patio Area | 106 sqft |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Account Number | 400967216 |
|---|---|
| Old Parcel Number | 3281 98 6026 0000 |
| Street Address | 129 PALM COTTAGE DR |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-3671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20C |
| Legal Description | L20,PB 39/21 COTTAGES AT ISLAND PALMS |
| Legal Subdivision | COTTAGES AT ISLAND PALMS |
| Legal Lot Number | 20 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 920202 |
129 Palm Cottage Dr is owned and occupied by two individuals who bought it in June 2015.
Source: Pender County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 129 PALM COTTAGE DR, HAMPSTEAD, NC 28443-3671 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2015 · Amount on File |
| Deed Sale | Jun 12, 2015 · Amount on File |
| Prior Sale | May 3, 2006 · Amount on File |
| Deed Document Number | 0000464594 |
| Deed Book / Page | 46 / 4594 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 129 PALM COTTAGE DR, HAMPSTEAD, NC 28443-3671 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0047620434 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 4762/434 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 129 Palm Cottage Dr was $2,199.
Source: Pender County assessment roll, as of January 1, 2025
| 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 | $2,199.00 | $526,197 Land $56,805 Building $469,392 | $526,197 Land $56,805 Building $469,392 |
| 2023 | $261,110 (-) Land $54,653 Building $206,457 | $261,110 (-) Land $54,653 Building $206,457 | |
| 2022 | $2,019.00 | $261,110 Land $54,653 Building $206,457 | $261,110 Land $54,653 Building $206,457 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 129 Palm Cottage Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 259 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 259 in force |
| Nearby Flood Claims | 69 (1988–2026) |
| Claims Outside the SFHA | 24 of 69 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| 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 129 Palm Cottage Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 52% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 149 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.
5G (outdoors only) and 4G LTE
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