285 Scrub Oaks Dr, Hampstead, NC 28443 Property Records

Pender County property record for 285 Scrub Oaks Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,600 sqft · built 2013
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$494,000 (Feb 2023)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4204-56-7152-0000`

Property Details

APN / Parcel Number

Primary APN	`4204-56-7152-0000`
Alternative APNs	`000051908` `959621`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,600 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
Roof Type	Gable/Hip
Lot Area	30,928 sqft (0.71 acres)

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	000051908
Street Address	285 SCRUB OAKS DR
City	HAMPSTEAD
State	NC
Zip	28443-3781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SEEMAP
Legal Description	L24,PB 49/5,PINNACLE RIDGE
Legal Subdivision	PINNACLE RIDGE
Legal Lot Number	24
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1000
Census Tract	920203

Owner

Source: Pender County records, as of June 24, 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	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · FHA Mortgage PRIME HOME LENDING LLC
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
May 6, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	Aug 12, 2013 · Amount on Record
Deed Document Number	202320112838
Deed Book / Page	4807 / 1141
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	ALLIANCE FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781

Mortgage

Document Number	0048850734
Date	Feb 20, 2026
Book Page	4885/734

Lender

Name	PRIME HOME LENDING LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3.74%
Max Rate At Change	5.74%
Index	1-Year CMT
Max Rate	5%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Feb 24, 2023
Property Address	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781
Document Number	0048071141
Book / Page	4807 / 1141
Map Reference	MB 46 PG 103
Instrument Date	Jan 6, 2023
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$988.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781

Mortgage

Document Number	0048071144
Date	Feb 24, 2023
Instrument	4807-1144

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047871452
Date	May 6, 2022
Book Page	4787/1452

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	285 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3781
Document Number	0047222129
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	285 SCRUB OAKS DR HAMPSTEAD NC 284433781, HAMPSTEAD, NC 28443-3781

Mortgage

Document Number	0047222129
Date	Aug 26, 2020
Book Page	004722/002129
Instrument	20068878

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2050

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	$2,891.00 (+14.18%)	$522,979 (+79.74%) Land $79,118 Building $443,861	$522,979 (+79.74%) Land $79,118 Building $443,861
2023		$290,963 (-) Land $75,266 Building $215,697	$290,963 (-) Land $75,266 Building $215,697
2022	$2,532.00	$290,963 Land $75,266 Building $215,697	$290,963 Land $75,266 Building $215,697

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 AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	96 (1992–2020)
Claims Outside the SFHA	30 of 96
Most Recent Claim	Aug 2020 · Hurricane Isaias
Claims by Event	Hurricane Florence, Sep 2018 · 48 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 17 claims Hurricane Fran, Sep 1996 · 14 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 69% of the US · above 92% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Focus Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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