403 Edgewater Way, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 403 Edgewater Way, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,196 sqft · built 2022
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$580,500 (Jul 2022)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4235-57-2230-0000`

Property Details

APN / Parcel Number

Primary APN	`4235-57-2230-0000`
Alternative APN	`000050108`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,196 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.169 acres)
Pool Area	64 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000050108
Street Address	403 EDGEWATER WAY
City	SURF CITY
State	NC
Zip	28445-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 224 PB 69/85 WATERSIDE PH 3 SEC 1
Legal Subdivision	WATERSIDE
Legal Phase	3
Legal Lot Number	224
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2027
Census Tract	920105

Owner

Source: Pender County records, as of January 26, 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
Co-owner	Co-owner on Record
Mailing Address	403 EDGEWATER WAY, SURF CITY, NC 28445-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Jul 22, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Deed Document Number	0004844794
Deed Book / Page	484 / 4794
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	403 EDGEWATER WAY, SURF CITY, NC 28445-1603
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048250773
Date	Nov 15, 2023
Book Page	4825/773

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Jul 22, 2022
Property Address	403 EDGEWATER WAY, SURF CITY, NC 28445-1603
Document Number	0047940484
Book / Page	4794 / 484
Map Reference	MB 69 PG 85-88
Instrument Date	Jul 21, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 RACINE DR STE 201, 201, WILMINGTON, NC 28403-8752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EDGEWATER WAY, HOLLY RIDGE, NC 28445-1603

Mortgage

Document Number	0047940486
Date	Jul 22, 2022
Instrument	4794-0486

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Pender County assessment roll, as of January 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,121.00 (+663.08%)	$682,838 (+89.13%) Land $79,550 Building $603,288	$682,838 (+89.13%) Land $79,550 Building $603,288
2023		$361,036 (+550.52%) Land $55,500 Building $305,536	$361,036 (+550.52%) Land $55,500 Building $305,536
2022	$409.00	$55,500 Land $55,500	$55,500 Land $55,500

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
Flood Insurance Cost	Premium on Record median of 127 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	10 (1996–2018)
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 7 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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.09% 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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