194 Heritage Way, Hampstead, NC 28443 Property Records

Pender County property record for 194 Heritage Way, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,256 sqft · built 2013
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$547,000 (May 2024)
Tax Bill	$2,424 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3281-86-8878-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-86-8878-0000`
Alternative APNs	`000057817` `959772`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,256 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	20,473 sqft (0.47 acres)
Porch	Porch
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000057817
Street Address	194 HERITAGE WAY
City	HAMPSTEAD
State	NC
Zip	28443-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20C
Legal Description	L19,PB 48/60, THE HERITAGE SURVEY
Legal Subdivision	THE HERITAGE
Legal Lot Number	19
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

Owner

Source: Pender County records, as of July 20, 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 Record
Mailing Address	PO BOX 1243, HAMPSTEAD, NC 28443-1243
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · VA Mortgage LUMINATE BANK
May 23, 2024	Warranty Deed, Transfer · VA Mortgage INTEGRITY HOME MORTGAGE CORP
Feb 22, 2019	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2024 · Amount on Record
Deed Sale	May 23, 2024 · Amount on Record
Prior Sale	Aug 30, 2013 · Amount on Record
Deed Document Number	2024134513462
Deed Book / Page	4837 / 1345
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	194 HERITAGE WAY, HAMPSTEAD, NC 28443-3929
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	COHESIVE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 HERITAGE WAY, HAMPSTEAD, NC 28443-3929

Mortgage

Document Number	0048741278
Date	Oct 1, 2025
Book Page	4874/1278

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	May 23, 2024
Property Address	194 HERITAGE WAY, HAMPSTEAD, NC 28443-3929
Document Number	0048371345
Book / Page	4837 / 1345
Map Reference	MB 48 PG 60
Instrument Date	May 16, 2024
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,094.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 TRIPLETT ST, JONESVILLE, NC 28642-2330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1243, HAMPSTEAD, NC 28443-1243

Mortgage

Document Number	0048371347
Date	May 23, 2024
Instrument	4837/1347

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PENDER NC
Property Address	194 HERITAGE WAY, HAMPSTEAD, NC 28443-3929
Document Number	0046820253
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 HERITAGE WAY HAMPSTEAD NC 284433929, HAMPSTEAD, NC 28443-3929

Mortgage

Document Number	0046820253
Date	Apr 3, 2019
Book Page	004682/000253
Instrument	20047411

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29735

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2049

Interest

Rate	3.25%

Tax Assessment & Valuation

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	$2,424.00 (-2.49%)	$526,125 (+84.32%) Land $75,850 Building $450,275	$526,125 (+84.32%) Land $75,850 Building $450,275
2023		$285,442 (-) Land $69,390 Building $216,052	$285,442 (-) Land $69,390 Building $216,052
2022	$2,486.00	$285,442 Land $69,390 Building $216,052	$285,442 Land $69,390 Building $216,052

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

Flood

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 Record median of 142 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 units insured incl. 4 condo units
Nearby Flood Claims	65 (1996–2024)
Claims Outside the SFHA	26 of 65
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 claims Hurricane Fran, Sep 1996 · 15 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

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

Wildfire Risk	Low lower than 62% of the US · above 54% 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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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