206 Palm Cottage Dr, Hampstead, NC 28443 Property Records

Pender County property record for 206 Palm Cottage Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,282 sqft · built 2005
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$370,500 (Dec 2021)
Tax Bill	$2,847 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3281-97-8164-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-97-8164-0000`
Alternative APNs	`000041419` `886077`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,282 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	22,651 sqft (0.519 acres)
Porch	Porch
Porch Area	361 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	000041419
Old Parcel Number	3281 97 8164 0000
Street Address	206 PALM COTTAGE DR
City	HAMPSTEAD
State	NC
Zip	28443-9200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20C
Legal Description	L30,PB 39/139 COTTAGES AT ISLAND PALMS
Legal Subdivision	COTTAGES AT ISLAND PALMS
Legal Lot Number	30
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2031
Census Tract	920202

Owner

206 Palm Cottage Dr is owned and occupied by an individual who bought it in December 2021.

Source: Pender County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	May 26, 2021 · Amount on File
Deed Document Number	0010724774
Deed Book / Page	1072 / 4774
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200

Mortgage

Document Number	0048610391
Date	Apr 22, 2025
Book Page	4861/391

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Dec 16, 2021
Property Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200
Document Number	0047741072
Book / Page	4774 / 1072
Map Reference	MB 39 PG 139
Instrument Date	Dec 16, 2021
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	$741.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 OLDE POINT RD, HAMPSTEAD, NC 28443-2387

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200

Mortgage

Document Number	0047741074
Date	Dec 16, 2021
Instrument	4774/1074

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	May 26, 2021
Property Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200
Document Number	0047531314
Book / Page	4753 / 1314
Map Reference	MB 39 PG 139
Instrument Date	May 24, 2021
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	$741.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 ACADIAN LOOP APT 308, 308, HAMPSTEAD, NC 28443-0166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 PALM COTTAGE DR, HAMPSTEAD, NC 28443-9200

Mortgage

Document Number	0047531316
Date	May 26, 2021
Instrument	4753/1316

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 206 Palm Cottage Dr was $2,847.

Source: Pender County assessment roll, as of January 1, 2025

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	$2,847.00	$574,243 Land $62,160 Building $512,083	$574,243 Land $62,160 Building $512,083
2023		$286,263 (-) Land $56,668 Building $229,595	$286,263 (-) Land $56,668 Building $229,595
2022	$2,493.00	$286,263 Land $56,668 Building $229,595	$286,263 Land $56,668 Building $229,595

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

Flood

FEMA maps place 206 Palm Cottage Dr in Zone X, an area of minimal 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 minimal risk
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	Hurricane Florence, Sep 2018 · 23 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 12 claims Hurricane Fran, Sep 1996 · 22 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 206 Palm Cottage Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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