389 Seneca Reef Dr, Hampstead, NC 28443 Property Records

Pender County property record for 389 Seneca Reef Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,333 sqft · built 2018
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$314,000 (Feb 2020)
Tax Bill	$2,749 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3281-76-0984-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-76-0984-0000`
Alternative APNs	`000027050` `000060522`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,333 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000060522
Street Address	389 SENECA REEF DR
City	HAMPSTEAD
State	NC
Zip	28443-7260
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 69 PB 63/119 SENECA REEF PH 2 SEC 2
Legal Subdivision	SENECA REEF
Legal Phase	2
Legal Lot Number	69
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

Owner

Source: Pender County records, as of June 3, 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	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Dec 18, 2025	Intrafamily Transfer, Transfer
Dec 11, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2020 · Amount on Record
Deed Sale	Feb 4, 2020 · Amount on Record
Deed Book / Page	4703 / 2040
Last Transfer Date	Dec 4, 2025
Transfer Doc	0048801692
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260

Mortgage

Document Number	0048812950
Date	Jan 9, 2026
Book Page	4881/2950

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PENDER NC
Recording Date	Dec 18, 2025
Property Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260
Document Number	0048801692
Book / Page	4880 / 1692
Map Reference	MB 63 PG 119
Instrument Date	Dec 4, 2025
Transaction Type	Transfer
Record Updated	Jan 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3135 REMINISCE RD, CASTLE HAYNE, NC 28429-5446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PENDER NC
Recording Date	Dec 11, 2025
Property Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260
Document Number	0048792756
Book / Page	4879 / 2756
Map Reference	MB 63 PG 119
Instrument Date	Dec 1, 2025
Transaction Type	Transfer
Record Updated	Dec 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260

February 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Feb 4, 2020
Property Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260
Document Number	0047032040
Book / Page	4703 / 2040
Map Reference	MB 63 PG 119
Instrument Date	Feb 3, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$628.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1545, MOUNT PLEASANT, SC 29465-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SENECA REEF DR, HAMPSTEAD, NC 28443-7260

Mortgage

Document Number	0047032042
Date	Feb 4, 2020
Instrument	4703/2042

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$2,749.00	$672,417 (+109.73%) Land $138,500 Building $533,917	$672,417 (+109.73%) Land $138,500 Building $533,917
2024	$2,749.00 (-1.08%)	$320,614 (-) Land $66,150 Building $254,464	$320,614 (-) Land $66,150 Building $254,464
2023		$320,614 (-) Land $66,150 Building $254,464	$320,614 (-) Land $66,150 Building $254,464
2022	$2,779.00	$320,614 Land $66,150 Building $254,464	$320,614 Land $66,150 Building $254,464

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

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
Flood Insurance Cost	Premium on Record median of 142 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 units insured incl. 4 condo units
Nearby Flood Claims	65 (1996–2024)
Claims Outside the SFHA	26 of 65
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Hurricane Florence, Sep 2018 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 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

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

Wildfire Risk	Moderate above 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.1% 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 86 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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