Pender County property record for 38 N Waterfront Pl, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · 5,475 sqft · built 2021 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (Jul 2020) |
| Tax Bill | $10,374 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jul 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 3292-60-0449-0000 |
| Primary APN | 3292-60-0449-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 5,475 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | Pile |
| Lot Area | 12,632 sqft (0.289 acres) |
| Lot Dimensions | 181 ft deep x 240 ft wide |
| Canopy | 216 sqft |
| Boat Access | Boat Access |
| Heating System | Heat Pump |
|---|
| Account Number | 000034722 |
|---|---|
| Street Address | 38 N WATERFRONT PL |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-8448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 42 PB 65/97 PH 1 SALTERS HAVEN AT LEA MARINA |
| Legal Phase | 1 |
| Legal Lot Number | 42 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 920202 |
38 N Waterfront Pl is owned by two individuals who bought it in July 2020.
Source: Pender County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 1453, HAMPSTEAD, NC 28443-1453 |
| 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.
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jul 13, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2020 · Amount on File |
| Deed Sale | Jul 8, 2020 · Amount on File |
| Deed Document Number | 0005024717 |
| Deed Book / Page | 4717 / 502 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 38 N WATERFRONT PL, HAMPSTEAD, NC 28443-8448 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0047962460 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 4796/2460 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2032 |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 38 N WATERFRONT PL, HAMPSTEAD, NC 28443-8448 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38 N WATERFRONT PL, HAMPSTEAD, NC 28443-8448 |
| Document Number | 0048162878 |
|---|---|
| Date | Jul 13, 2023 |
| Book Page | 4816/2878 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 38 N Waterfront Pl was $10,374.
Source: Pender County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Unified School District | Pender County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,374.00 | $1,260,309 Land $491,625 Building $768,684 | $1,260,309 Land $491,625 Building $768,684 |
| 2023 | $655,500 Land $655,500 | $655,500 Land $655,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 N Waterfront Pl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 38 N Waterfront Pl is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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