309 Shoal Ave, Hampstead, NC 28443 Property Records

Pender County property record for 309 Shoal Ave, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,867 sqft · built 2024
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$3,505 (2025)
Deeds & Mortgages	Mar 2024 Construction Loan Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3292-44-6109-0000`

Property Details

APN / Parcel Number

Primary APN	`3292-44-6109-0000`
Alternative APN	`000054222`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,867 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	181 ft deep x 240 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	000054222
Street Address	309 SHOAL AVE
City	HAMPSTEAD
State	NC
Zip	28443-6903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 16 PB 65/97 PH 1 SALTERS HAVEN AT LEA MARINA
Legal Phase	1
Legal Lot Number	16
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2012
Census Tract	920202

Owner

309 Shoal Ave is owned and occupied by an individual who acquired it in December 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	309 SHOAL AVE, HAMPSTEAD, NC 28443-6903
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Construction Mortgage PRESIDENTIAL BANK FSB
Dec 20, 2023	Warranty Deed, Transfer · Commercial Mortgage SOUTHERN BANK & TRUST CO
May 20, 2022	Warranty Deed, Transfer · Line of Credit GLT PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023
Deed Sale	Dec 20, 2023
Prior Sale	May 20, 2022 · Amount on File
Deed Document Number	0014244827
Deed Book / Page	1424 / 4827
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	309 SHOAL AVE, HAMPSTEAD, NC 28443-6903
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048321650
Date	Mar 18, 2024
Book Page	4832/1650

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	12.7%
Index	1-Year CMT
Max Rate	12.7%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Dec 20, 2023
Property Address	309 SHOAL AVE, HAMPSTEAD, NC 28443-6903
Document Number	0048271424
Book / Page	4827 / 1424
Map Reference	MB 65 PG 97-101
Instrument Date	Dec 20, 2023
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 OLDE WELL LOOP RD, WILMINGTON, NC 28411-6145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 SHOAL AVE, HAMPSTEAD, NC 28443-6903

Mortgage

Document Number	0048271427
Date	Dec 20, 2023
Instrument	4827-1427

Lender

Name	SOUTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	May 20, 2022
Property Address	309 SHOAL AVE, HAMPSTEAD, NC 28443-6903
Document Number	0047882847
Book / Page	4788 / 2847
Map Reference	MB 65 PG 97-101
Instrument Date	May 9, 2022
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1817 SIR TYLER DR APT 415, 415, WILMINGTON, NC 28405-8551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 OIDE WELL LOOP RD, WILMINGTON, NC 28411-6145

Mortgage

Document Number	0047882850
Date	May 20, 2022
Instrument	4788-2850

Lender

Name	GLT PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 15, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 309 Shoal Ave was $3,505.

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	$3,505.00	$632,921 Land $358,125 Building $274,796	$632,921 Land $358,125 Building $274,796
2023		$176,640 (-) Land $176,640	$176,640 (-) Land $176,640
2022	$1,470.00	$176,640 Land $176,640	$176,640 Land $176,640

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

Flood

FEMA maps place 309 Shoal Ave in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1988.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 259 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	259 in force
Nearby Flood Claims	69 (1988–2026)
Claims Outside the SFHA	24 of 69
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 23 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 12 claims Hurricane Fran, Sep 1996 · 22 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 309 Shoal Ave is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Shoal Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures