438 Scrub Oaks Dr, Hampstead, NC 28443 Property Records

Pender County property record for 438 Scrub Oaks Dr, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,321 sqft · built 2013
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jun 2026)
Tax Bill	$2,528 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4204-56-1760-0000`

Property Details

APN / Parcel Number

Primary APN	`4204-56-1760-0000`
Alternative APNs	`000054583` `961638`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,321 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Wood
Roof Type	Gable/Hip
Lot Area	20,473 sqft (0.47 acres)
Porch	Porch
Porch Area	223 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	000054583
Street Address	438 SCRUB OAKS DR
City	HAMPSTEAD
State	NC
Zip	28443-3772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SEEMAP
Legal Description	L65, PB 46/103, PINNACLE RIDGE
Legal Subdivision	PINNACLE RIDGE
Legal Lot Number	65
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920203

Owner

Source: Pender County records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	438 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Sep 14, 2023	Warranty Deed, Transfer
Apr 24, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	202620157148
Deed Book / Page	4895 / 351
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Jun 11, 2026
Property Address	438 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3772
Document Number	0020157148
Book / Page	4895 / 351
Instrument Date	Jun 3, 2026
Instrument	202620157148
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3772

Mortgage

Document Number	0020157149,
Date	Jun 11, 2026
Book Page	4895/355
Instrument	202620157149

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Sep 14, 2023
Property Address	438 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3772
Document Number	0048211110
Book / Page	4821 / 1110
Map Reference	MB 46 PG 103
Instrument Date	Sep 6, 2023
Transaction Type	Transfer
Record Updated	Oct 6, 2023

Transaction

Amount	Amount Recorded
Tax	$920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4916 PIONEER LN, INDIAN TRAIL, NC 28079-3623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3772

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Apr 24, 2020
Property Address	438 SCRUB OAKS DR, HAMPSTEAD, NC 28443-3772
Document Number	0047092912
Book / Page	004709 / 002912
Instrument Date	Apr 21, 2020
Instrument	20062623
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$618.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SCRUB OAKS DR HAMPSTEAD NC 284433772, HAMPSTEAD, NC 28443-3772

Mortgage

Document Number	47092914
Date	Apr 24, 2020
Book Page	004709/002914
Instrument	20062624

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 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	$2,528.00 (+14.65%)	$467,573 (+85.75%) Land $57,698 Building $409,875	$467,573 (+85.75%) Land $57,698 Building $409,875
2023		$251,719 (-) Land $64,708 Building $187,011	$251,719 (-) Land $64,708 Building $187,011
2022	$2,205.00	$251,719 Land $64,708 Building $187,011	$251,719 Land $64,708 Building $187,011

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	105 in force
Nearby Flood Claims	96 (1992–2020)
Claims Outside the SFHA	30 of 96
Most Recent Claim	Aug 2020 · Hurricane Isaias
Claims by Event	Hurricane Florence, Sep 2018 · 48 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 17 claims Hurricane Fran, Sep 1996 · 14 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	High above 72% of the US · above 93% of North Carolina
Wildfire Likelihood	0.2% 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 50 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Focus Broadband.

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