21 Stemwood Ct, Hampstead, NC 28443 Property Records

Pender County property record for 21 Stemwood Ct, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,237 sqft · built 2015
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Mar 2016)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3282-61-0163-0000`

Property Details

APN / Parcel Number

Primary APN	`3282-61-0163-0000`
Alternative APNs	`400970054` `970054`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,237 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	23,958 sqft (0.55 acres)

Exterior Amenities

Pool Area	525 sqft
Porch	Porch
Porch Area	192 sqft
Patio Area	1,125 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	400970054
Street Address	21 STEMWOOD CT
City	HAMPSTEAD
State	NC
Zip	28443-3990
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LT7 PB 56/101 OAKS @ CYPRESS LAKES
Legal Subdivision	OAKS AT CYPRESS LAKES PH I
Legal Lot Number	7
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1000
Census Tract	920202

Owner

Source: Pender County records, as of January 26, 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 Record
Co-owner	Co-owner on Record
Mailing Address	21 STEMWOOD CT, HAMPSTEAD, NC 28443-3990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 13, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2016 · Amount on Record
Deed Sale	Mar 11, 2016 · Amount on Record
Deed Document Number	0003484616
Deed Book / Page	348 / 4616
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	21 STEMWOOD CT, HAMPSTEAD, NC 28443-3990
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047561639
Date	Jun 23, 2021
Book Page	4756/1639

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	21 STEMWOOD CT, HAMPSTEAD, NC 28443-3990
Document Number	0046931688
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 STEMWOOD CT HAMPSTEAD NC 284433990, HAMPSTEAD, NC 28443-3990

Mortgage

Document Number	0046931688
Date	Sep 18, 2019
Book Page	004693/001688
Instrument	20054046

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

Tax Assessment & Valuation

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	$2,530.00 (+19.4%)	$500,395 (+98.65%) Land $62,475 Building $437,920	$500,395 (+98.65%) Land $62,475 Building $437,920
2023		$251,900 (+4.35%) Land $69,147 Building $182,753	$251,900 (+4.35%) Land $69,147 Building $182,753
2022	$2,119.00	$241,390 Land $69,147 Building $172,243	$241,390 Land $69,147 Building $172,243

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 67% of the US · above 90% of North Carolina
Wildfire Likelihood	0.2% 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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