285 Howards Ln, Hampstead, NC 28443 Property Records

Pender County property record for 285 Howards Ln, Hampstead, NC 28443 · Last verified February 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	4 Baths
Year Built	Built 2003
Square Footage	2,541 sqft Living Area
Lot Size	63,162 sqft (1.45 acres)
Occupancy	Owner Occupied
Last Sale	$210,000 (2000)
Tax Bill	$6,490.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3292-73-5524-0000`
Alternative APNs	`400595425` `595425`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	2,541 sqft Living Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Architectural Style	Cottage Style
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Foundation Type	Pile Foundation
Lot Area	63,162 sqft (1.45 acres)
Depth X Width	308 ft x 121 ft Depth x Width

Exterior Amenities

Deck Area	646 sqft Deck
Porch	1 Porch
Porch Area	672 sqft Porch
Cabin/Rustic Dwelling	Cabin/Rustic Dwelling

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	400595425
Old Parcel Number	3292 73 5524 0000
Street Address	285 HOWARDS LN
City	HAMPSTEAD
State	NC
Zip	28443-8446
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LTS 5 & 5A,PB 25/136 LE HOWARD
Legal Subdivision	L E HOWARD DIVISION
Legal Tract	4
Legal Lot Number	5A
Jurisdiction	PENDER NC
Minor Civil Division	TOPSAIL
Census Blockgroup	2
Census Block	2012
Census Tract	920202

Owner

Source: Pender County records · APN 3292-73-5524-0000

Assessment roll updated January 1, 2025 · Last verified February 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
Co-owner	Verified Secondary Owner
Mailing Address	285 HOWARDS LN, HAMPSTEAD, NC 28443-8446
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2000 · Amount on Record
Deed Sale	Jun 08, 2000 · Amount on Record
Deed Doc Number	0000621591
Record Refreshed	Jun 08, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	285 HOWARDS LN, HAMPSTEAD, NC 28443-8446
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046510963
Date	Sep 20, 2017
Book Page	4651/0963
Instrument	4651-0963

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 1, 2025 · Last verified February 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	$6,490.00 (+12.46%)	$1,760,041 (+158.82%) Land $1,200,338 Building $559,703	$1,760,041 (+158.82%) Land $1,200,338 Building $559,703
2023		$680,036 (-) Land $404,853 Building $275,183	$680,036 (-) Land $404,853 Building $275,183
2022	$5,771.00	$680,036 Land $404,853 Building $275,183	$680,036 Land $404,853 Building $275,183

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pender County (37141C), updated January 17, 2025 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	16.0 ft
Coastal	Yes

Coastal Barrier Resources

Coastal Barrier Resources System	Yes
Unit	L07 “Lea Island”
Unit Type	System Unit
Designated	November 16, 1990
NFIP Eligibility	Not eligible (built 2003) built after the November 16, 1990 cutoff · private flood insurance only

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.