178 Emerald Rdg, Hampstead, NC 28443 Property Records

Pender County property record for 178 Emerald Rdg, Hampstead, NC 28443 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2025)
Tax Bill	$2,222 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4203-14-0100-0000`

Property Details

APN / Parcel Number

Primary APN	`4203-14-0100-0000`
Alternative APNs	`001032930` `879266`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Lot Area	13,068 sqft (0.3 acres)

Exterior Amenities

Porch	Porch
Porch Area	90 sqft
Deck Area	375 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	001032930
Street Address	178 EMERALD RDG
City	HAMPSTEAD
State	NC
Zip	28443-8464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L45,PB 36/99 EMERALD RIDGE
Legal Subdivision	EMERALD RIDGE
Legal Lot Number	45
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2007
Census Tract	920201

Owner

Source: Pender County records · APN 4203-14-0100-0000

Assessment roll updated January 27, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 06, 2025	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
May 16, 2024	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 06, 2025 · Amount on Record
Deed Sale	May 06, 2025 · Amount on Record
Prior Sale	May 16, 2024 · Amount on Record
Deed Document Number	202520141243
Deed Book / Page	4862 / 2073
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464

Mortgage

Document Number	0047932395
Date	Jul 19, 2022
Book Page	4793/2395

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	May 06, 2025
Property Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464
Document Number	0048622073
Book / Page	4862 / 2073
Map Reference	MB 36 PG 99
Instrument Date	May 06, 2025
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464

Mortgage

Document Number	0048622077
Date	May 06, 2025
Instrument	4862/2077

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	May 16, 2024
Property Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464
Document Number	0048362653
Book / Page	4836 / 2653
Map Reference	MB 36 PG 99
Instrument Date	May 13, 2024
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 CENTER DR, HAMPSTEAD, NC 28443-2119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 EMERALD RDG, HAMPSTEAD, NC 28443-8464

Mortgage

Document Number	0048362656
Date	May 16, 2024
Instrument	4836-2656

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 27, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,222.00 (+8.97%)	$394,591 (+80.5%) Land $42,525 Building $352,066	$394,591 (+80.5%) Land $42,525 Building $352,066
2023		$218,607 (-) Land $77,373 Building $141,234	$218,607 (-) Land $77,373 Building $141,234
2022	$2,039.00	$218,607 Land $77,373 Building $141,234	$218,607 Land $77,373 Building $141,234

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pender County (37141C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371419202012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 83 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	83 in force
Nearby Flood Claims	68 (1996–2018)
Claims Outside the SFHA	24 of 68
Most Recent Claim	Sep 2018, rainfall accumulation, Hurricane Florence
Claims By Storm	Hurricane Florence, Sep 2018 · 26 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 9 claims Hurricane Fran, Sep 1996 · 24 claims

Wildfire

Wildfire Risk	Low above 36% of the US · above 51% of North Carolina
Wildfire Likelihood	About 1 in 1,887 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 189 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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