Pender County property record for 305 Gail Rd, Willard, NC 28478 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1981 |
| Square Footage | 1,078 sqft Living Area |
| Lot Size | 20,038 sqft (0.46 acres) |
| Garage | Carport, 277 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $1,051.00 (2025) |
Source: Pender County records · APN 2383-53-7910-0000
Assessment roll updated January 27, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 305 GAIL RD, WILLARD, NC 28478-6771 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Married Man as his Sole and Separate Property |
| Date | Document |
|---|---|
| Jan 23, 2026 | Intrafamily Transfer, Transfer · Federal Housing Administration (FHA) Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Dec 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 23, 2026 |
| Deed Sale | Jan 23, 2026 |
| Prior Sale | Dec 16, 2022 · Amount on Record |
| Deed Doc Number | 202620151345 |
| Deed Book / Page | 4883 / 188 |
| Prior Transfer Date | Jan 16, 2026 |
| Prior Transfer Doc | 0048830188 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Jan 23, 2026 |
| Property Address | 305 GAIL RD, WILLARD, NC 28478-6771 |
| Document Number | 0048830188 |
| Book / Page | 4883 / 188 |
| Map Reference | MB 12 PG 37 |
| Instrument Date | Jan 16, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2026 |
| Title Company | TIMIOS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 GAIL RD, WILLARD, NC 28478-6771 |
| Document Number | 0004883192 |
|---|---|
| Date | Jan 23, 2026 |
| Instrument | 4883/192 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Dec 16, 2022 |
| Property Address | 305 GAIL RD, WILLARD, NC 28478-6771 |
| Document Number | 0048031742 |
| Book / Page | 4803 / 1742 |
| Map Reference | MB 12 PG 37 |
| Instrument Date | Dec 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 GAIL RD, WILLARD, NC 28478-6771 |
| Document Number | 0048031745 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 4803-1745 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.52% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jan 01, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.52% |
| Index | 5-Year CMT |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 305 GAIL RD, WILLARD, NC 28478-6771 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0047000625 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 4700/0625 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2040 |
Source: Pender County records · Assessment roll updated January 27, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Unified School District | Pender County Schools (PK - 12) |
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 | $1,051.00 (+6.48%) | $187,801 (+105.05%) Land $12,173 Building $175,628 | $187,801 (+105.05%) Land $12,173 Building $175,628 |
| 2023 | $91,588 (-) Land $14,200 Building $77,388 | $91,588 (-) Land $14,200 Building $77,388 | |
| 2022 | $987.00 | $91,588 Land $14,200 Building $77,388 | $91,588 Land $14,200 Building $77,388 |
Source: FEMA National Flood Hazard Layer, Pender County (37141C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 34% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 2026
| Historic District | Within the Penderlea Homesteads Historic District listed 2013 · 197 contributing resources · NRIS 13000803 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
| Primary APN | 2383-53-7910-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,078 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Lot Area | 20,038 sqft (0.46 acres) |
| Depth X Width | 200 ft x 100 ft Depth x Width |
| Garage Type | Carport Garage |
| Garage Area | 277 sqft Garage |
| Carport | Carport |
| Carport Area | 277 sqft Carport |
| Shed | 1 Shed |
|---|---|
| Shed Area | 96 sqft Shed |
| Deck Area | 360 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 56 sqft Porch |
| Lean-To | 96 sqft Lean-To |
| Heating System | Heat Pump Heating |
|---|---|
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 000046808 |
|---|---|
| Street Address | 305 GAIL RD |
| City | WILLARD |
| State | NC |
| Zip | 28478-6771 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L 27,PB 12/37 LEA ACRES |
| Legal Subdivision | LEA ACRES |
| Legal Lot Number | 27 |
| Jurisdiction | PENDER NC |
| Minor Civil Division | UNION |
| Census Blockgroup | 3 |
| Census Block | 3024 |
| Census Tract | 920300 |
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