3515 Watha Rd, Willard, NC 28478 Property Records

Pender County property record for 3515 Watha Rd, Willard, NC 28478

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 950 sqft · built 1958
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$224,000 (Apr 2026)
Tax Bill	$811 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2024 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3304-72-8693-0000`

Property Details

APN / Parcel Number

Primary APN	`3304-72-8693-0000`
Alternative APNs	`000022658` `982626`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	950 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Detached
Garage Area	600 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	000022658
Street Address	3515 WATHA RD
City	WILLARD
State	NC
Zip	28478-7833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	W/S RD 1313 AT WILLARD
Jurisdiction	PENDER NC
Township / Civil Division	UNION
Census Block Group	2
Census Block	2021
Census Tract	920300

Owner

Source: Pender County records, as of May 21, 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 Record
Mailing Address	3515 WATHA RD, WILLARD, NC 28478-7833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Apr 20, 2026	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Apr 20, 2026	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
May 16, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 26, 2018	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Nov 26, 2018 · Amount on Record
Deed Document Number	202620154865
Deed Book / Page	4890 / 1138
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	3515 WATHA RD, WILLARD, NC 28478-7833
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047720845
Date	Nov 29, 2021
Book Page	4772/845

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	3515 WATHA RD, WILLARD, NC 28478-7833
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048480291
Date	Oct 9, 2024
Book Page	4848/291

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2044

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 20, 2026
Property Address	3515 WATHA RD, WILLARD, NC 28478-7833
Document Number	0020154865
Book / Page	4890 / 1138
Instrument Date	Apr 17, 2026
Instrument	2026.20154865
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RECO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$45,248.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 WATHA RD, WILLARD, NC 28478-7833

Mortgage

Document Number	0020154866,
Date	Apr 20, 2026
Instrument	2026..20154866

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 20, 2026
Property Address	3515 WATHA RD, WILLARD, NC 28478-7833
Document Number	0048901138
Book / Page	4890 / 1138
Instrument Date	Apr 17, 2026
Instrument	2026.20154865
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$45,248.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 WATHA RD, WILLARD, NC 28478-7833

Mortgage

Document Number	0020154866,
Date	Apr 20, 2026
Book Page	4890/1141
Instrument	2026.20154866

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	3515 WATHA RD, WILLARD, NC 28478-7833
Document Number	0047120933
Instrument Date	May 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3515 WATHA RD WILLARD NC 284787833, WILLARD, NC 28478-7833

Mortgage

Document Number	0047120933
Date	May 21, 2020
Book Page	004712/000933
Instrument	20063715

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	May 20, 2047

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Nov 26, 2018
Property Address	3515 WATHA RD, WILLARD, NC 28478-7833
Document Number	0046742843
Book / Page	004674 / 002843
Instrument Date	Nov 20, 2018
Instrument	20042911
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3515 WATHA RD WILLARD NC 28478, WILLARD, NC 28478

Mortgage

Document Number	46742846
Date	Nov 26, 2018
Book Page	004674/002846
Instrument	20042912

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

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	$811.00 (+5.19%)	$125,653 (+90.96%) Land $14,850 Building $110,803	$125,653 (+90.96%) Land $14,850 Building $110,803
2023		$65,801 (-) Land $17,000 Building $48,801	$65,801 (-) Land $17,000 Building $48,801
2022	$771.00	$65,801 Land $17,000 Building $48,801	$65,801 Land $17,000 Building $48,801

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1999–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.05% 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 13 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: Focus Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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