191 Seneca Reef Dr, Hampstead, NC 28443 Property Records

Pender County property record for 191 Seneca Reef Dr, Hampstead, NC 28443 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,799 sqft · built 2019
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Feb 2023)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3281-76-8373-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-76-8373-0000`
Alternative APN	`000051353`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,799 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000051353
Street Address	191 SENECA REEF DR
City	HAMPSTEAD
State	NC
Zip	28443-7258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 60 PB 63/119 SENECA REEF PH 2 SEC 2
Legal Subdivision	SENECA REEF
Legal Phase	2
Legal Lot Number	60
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

Owner

Source: Pender County records · APN 3281-76-8373-0000

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

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

Owner of Record	2 Individual Names on File
Mailing Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	202320112804
Deed Book / Page	4807 / 905
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Recording Date	May 18, 2026
Property Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Document Number	0020156178
Book / Page	4893 / 414
Instrument Date	May 15, 2026
Instrument	202620156178
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258

Mortgage

Document Number	0020156178,
Date	May 18, 2026
Book Page	4893/414
Instrument	202620156178

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258

Mortgage

Document Number	0047860346
Date	Apr 22, 2022
Book Page	4786/346

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Feb 24, 2023
Property Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Document Number	0048070905
Book / Page	4807 / 905
Map Reference	MB 63 PG 119
Instrument Date	Feb 14, 2023
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	817 WINE CELLAR CIR, WILMINGTON, NC 28411-9298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SENECA REEF DRIVE, TOWNSEND, VA 23443
Investor	Possibly a Property Investor

Mortgage

Document Number	0048070909
Date	Feb 24, 2023
Instrument	4807-0909

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Aug 18, 2021
Property Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258
Document Number	0047620218
Book / Page	4762 / 218
Map Reference	MB 63 PG 119
Instrument Date	Aug 09, 2021
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8545 TOBACCO LN SE, OLYMPIA, WA 98513-4614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 SENECA REEF DR, HAMPSTEAD, NC 28443-7258

Mortgage

Document Number	0004762221
Date	Aug 18, 2021
Instrument	4762/221

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 27, 2026 · Last verified June 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	$2,611.00 (+14.52%)	$502,931 (+92.93%) Land $69,250 Building $433,681	$502,931 (+92.93%) Land $69,250 Building $433,681
2023		$260,685 (-) Land $33,075 Building $227,610	$260,685 (-) Land $33,075 Building $227,610
2022	$2,280.00	$260,685 Land $33,075 Building $227,610	$260,685 Land $33,075 Building $227,610

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 371419202021, 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 142 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 units insured 4 under condo master policies
Nearby Flood Claims	65 (1996–2024)
Claims Outside the SFHA	26 of 65
Most Recent Claim	Aug 2024, rainfall accumulation, Tropical Storm Debby
Claims By Storm	Hurricane Florence, Sep 2018 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 claims Hurricane Fran, Sep 1996 · 15 claims

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 81% of North Carolina
Wildfire Likelihood	About 1 in 862 per year
Exposure	Direct burnable vegetation at the parcel

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 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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