38 E Rdg, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 38 E Rdg, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,768 sqft · built 2000
Lot Size	0.146 acres (6,360 sqft)
Owner	Individual Name on File
Tax Bill	$2,977 (2025)
Deeds & Mortgages	Jun 2025 Transfer
Flood Zone	Zone AE (high risk)
APN	`4234-03-9593-0000`

Property Details

APN / Parcel Number

Primary APN	`4234-03-9593-0000`
Alternative APNs	`001033352` `400594288` `594288`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area

Exterior

Year Built	Built 2000
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	100 ft deep x 80 ft wide

Exterior Amenities

Porch	Porch
Porch Area	272 sqft
Deck Area	80 sqft
Cabin	Cabin

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	001033352
Old Parcel Number	4234 03 9593 0000
Street Address	38 E RIDGE
City	SURF CITY
State	NC
Zip	28445-6874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	L38,PB 27/105 SANDY RIDGE
Legal Subdivision	SANDY RIDGE
Legal Lot Number	38
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1055
Census Tract	920106

Owner

Source: Pender County records · APN 4234-03-9593-0000

Assessment roll updated January 1, 2025 · Last verified February 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
Co-owner	Verified Secondary Owner
Mailing Address	38 E RIDGE, SURF CITY, NC 28445-6874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 20, 2025
Transfer Doc	0048660254
Record Updated	Jun 08, 2026

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PENDER NC
Recording Date	Jun 20, 2025
Property Address	38 E RIDGE, SURF CITY, NC 28445-6874
Document Number	0048660254
Book / Page	4866 / 254
Map Reference	MB 27 PG 105
Instrument Date	Jun 15, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38 E RIDGE, SURF CITY, NC 28445-6874

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Pender County
Municipality	Surf City Town
Unified School District	Pender County Schools (PK - 12)

Tax Bill & Assessment History

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	$2,977.00	$773,990 (+115.77%) Land $440,226 Building $333,764	$773,990 (+115.77%) Land $440,226 Building $333,764
2024	$2,977.00 (+12.55%)	$358,703 (-) Land $113,519 Building $245,184	$358,703 (-) Land $113,519 Building $245,184
2023		$358,703 (-) Land $113,519 Building $245,184	$358,703 (-) Land $113,519 Building $245,184
2022	$2,645.00	$358,703 Land $113,519 Building $245,184	$358,703 Land $113,519 Building $245,184

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 2,399 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2,712 units insured incl. 313 condo units
Nearby Flood Claims	661 (1986–2024)
Claims Outside the SFHA	6 of 661
Most Recent Claim	Sep 2024 · tidal / storm surge
Claims by Event	Hurricane Florence, Sep 2018 · 385 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 82 claims Hurricane Fran, Sep 1996 · 103 claims

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 99 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF SURF CITY serves 9,730 people
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.