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23 Sandy Ln, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 23 Sandy Ln, Surf City, NC 28445

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,428 sqft · built 2005
Lot Size0.26 acres (11,369 sqft)
OwnerOwner Name on File
Last Sale$354,000 (Nov 2011)
Tax Bill$5,212 (2025)
Deeds & MortgagesMay 2017 Mortgage
Flood ZoneZone AE (high risk)
APN4234-03-7572-0000

Property Details

APN / Parcel Number

Primary APN4234-03-7572-0000
Alternative APNs
  • 400942156
  • 942156

Interior

Bedrooms4 Beds
Full Baths4 Baths
Total Rooms10 Rooms
Stories2 Stories
Building Area3,428 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Architectural StyleCottage
Exterior MaterialAluminum/Vinyl
Foundation TypePile
Lot Area11,369 sqft (0.26 acres)
Lot Dimensions226 ft deep x 50 ft wide

Exterior Amenities

Pool Area180 sqft
Deck Area560 sqft
Patio Area140 sqft
CabinCabin
Gazebo140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number400942156
Old Parcel Number4234 03 7572 0000
Street Address23 SANDY LN
CitySURF CITY
StateNC
Zip28445-6877
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR5
Legal DescriptionL23 PB 27/105 SANDY RIDGE
Legal SubdivisionSANDY RIDGE
Legal Lot Number23
JurisdictionPENDER NC
Township / Civil DivisionTOPSAIL
Census Block Group1
Census Block1055
Census Tract920106

Owner

The current owner of 23 Sandy Ln bought it in November 2011.

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

Owner of RecordOwner Name on File
Mailing Address23 SANDY LN, SURF CITY, NC 28445-6877
OccupancyOwner Occupied

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 17, 2011 · Amount on File
Deed SaleNov 17, 2011 · Amount on File
Prior SaleDec 22, 2010 · Amount on File
Deed Document Number0000983992
Deed Book / Page98 / 3992
Record UpdatedJun 8, 2026

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPENDER NC
Property Address23 SANDY LN, SURF CITY, NC 28445-6877
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySTEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0046430674
DateMay 15, 2017
Book Page4643/0674
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
AddressRALEIGH, NC 27611
Agreement
TypeARM
AmountAmount on Record
Term360 Months
DueMay 1, 2047
Interest
Rate TypeAdjustable Rate
AdjustableAdjustable Rate Rider

Tax Assessment & Valuation

The 2025 property tax bill for 23 Sandy Ln was $5,212.

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyPender County
MunicipalitySurf City Town
Unified School DistrictPender County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,212.00$1,177,352 Land $477,227 Building $700,125$1,177,352 Land $477,227 Building $700,125
2023$627,969 (-) Land $127,319 Building $500,650$627,969 (-) Land $127,319 Building $500,650
2022$4,631.00$627,969 Land $127,319 Building $500,650$627,969 Land $127,319 Building $500,650

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

Flood

FEMA maps place 23 Sandy Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 2,399 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2,712 units insured
incl. 313 condo units
Nearby Flood Claims661 (1986–2024)
Claims Outside the SFHA6 of 661
Most Recent ClaimSep 2024 · tidal / storm surge
Claims by Event
  • Hurricane Florence, Sep 2018 · 385 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 82 claims
  • Hurricane Fran, Sep 1996 · 103 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 23 Sandy Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOWN OF SURF CITY
serves 9,730 people · EPA ID NC0471015
Water SourceGroundwater
Last State InspectionFeb 2025
LeadUnder 1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting4
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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