313 Scotch Bonnet Way, Hampstead, NC 28443 Property Records

Pender County property record for 313 Scotch Bonnet Way, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,340 sqft · built 2012
Lot Size	0.464 acres (20,255 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jul 2020)
Tax Bill	$2,625 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4203-52-6887-0000`

Property Details

APN / Parcel Number

Primary APN	`4203-52-6887-0000`
Alternative APNs	`000035421` `876339`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,340 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	20,255 sqft (0.464 acres)

Exterior Amenities

Porch	Porch
Porch Area	416 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	000035421
Old Parcel Number	4203 52 6887 0000
Street Address	313 SCOTCH BONNET WAY
City	HAMPSTEAD
State	NC
Zip	28443-2567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20C
Legal Description	LT 14,PB 16/5 HIDEAWAY SHORES
Legal Subdivision	HIDEAWAY SHORES
Legal Lot Number	14
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	3
Census Block	3002
Census Tract	920202

Owner

313 Scotch Bonnet Way is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	313 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2567
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
Dec 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Jul 2, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	May 12, 2005 · Amount on File
Deed Document Number	0022174716
Deed Book / Page	2217 / 4716
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	313 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2567
Transaction Type	Mortgage
Record Updated	Jan 24, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2567

Mortgage

Document Number	0048261650
Date	Dec 7, 2023
Book Page	4826/1650

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Jul 2, 2020
Property Address	313 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2567
Document Number	0047162217
Book / Page	4716 / 2217
Map Reference	MB 16 PG 5
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 5 BRIDGE RD, 602, CLINTON, NC 28328-0107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2567

Mortgage

Document Number	0047162223
Date	Jul 2, 2020
Instrument	4716/2223

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 313 Scotch Bonnet Way was $2,625.

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	$2,625.00	$483,268 Land $57,251 Building $426,017	$483,268 Land $57,251 Building $426,017
2023		$262,239 (-) Land $69,484 Building $192,755	$262,239 (-) Land $69,484 Building $192,755
2022	$2,293.00	$262,239 Land $69,484 Building $192,755	$262,239 Land $69,484 Building $192,755

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

Flood

FEMA maps place 313 Scotch Bonnet Way in Zone X, an area of minimal flood risk, though there have been 52 flood claims nearby since 1996.

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 93 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	52 (1996–2020)
Claims Outside the SFHA	38 of 52
Most Recent Claim	Aug 2020 · Hurricane Isaias
Claims by Event	Hurricane Florence, Sep 2018 · 23 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 7 claims Hurricane Fran, Sep 1996 · 15 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 313 Scotch Bonnet Way is moderate, ranking above 47% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

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