45 Rochester St, Hampstead, NC 28443 Property Records

Pender County property record for 45 Rochester St, Hampstead, NC 28443 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,711 sqft · built 2018
Lot Size	0.35 acres (15,246 sqft)
Owner	Company Name on File
Last Sale	$400,000 (May 2025)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3281-86-6393-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-86-6393-0000`
Alternative APNs	`001033102` `981875`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,711 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	001033102
Street Address	45 ROCHESTER ST
City	HAMPSTEAD
State	NC
Zip	28443-5340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 PB 61/91 SENECA REEF
Legal Subdivision	SENECA REEF
Legal Lot Number	11
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

Owner

Source: Pender County records · APN 3281-86-6393-0000

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	Company Name on File
Mailing Address	PO BOX 10189, WILMINGTON, NC 28404-0189
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 10, 2018	Grant Deed, Subdivision Related Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 30, 2025 · Amount on Record
Deed Sale	May 30, 2025 · Amount on Record
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	0018524864
Deed Book / Page	1852 / 4864
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Oct 28, 2022
Property Address	45 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Document Number	0048001383
Book / Page	4800 / 1383
Map Reference	MB 61 PG 91
Instrument Date	Oct 24, 2022
Transaction Type	Transfer
Record Updated	Dec 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ROCHESTER ST, HAMPSTEAD, NC 28443-5340

Mortgage

Document Number	0048001386
Date	Oct 28, 2022
Instrument	4800-1386

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	45 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047210045
Date	Aug 12, 2020
Book Page	4721/45

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CRESTON, IL 60113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PENDER NC
Recording Date	Sep 10, 2018
Property Address	45 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Document Number	0046712931
Book / Page	004671 / 002931
Instrument Date	Sep 07, 2018
Instrument	20040971
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$532.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	138 DOGWOOD LN HAMPSTEAD NC 284432021, HAMPSTEAD, NC 28443-2021

Mortgage

Document Number	46712933
Date	Sep 10, 2018
Book Page	004671/002933
Instrument	20040972

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 09, 2048

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
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	$2,742.00 (+9.33%)	$365,649 (+33.01%) Land $69,250 Building $296,399	$365,649 (+33.01%) Land $69,250 Building $296,399
2023		$274,903 (-) Land $66,150 Building $208,753	$274,903 (-) Land $66,150 Building $208,753
2022	$2,508.00	$274,903 Land $66,150 Building $208,753	$274,903 Land $66,150 Building $208,753

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pender County (37141C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371419202021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 142 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 units insured 4 under condo master policies
Nearby Flood Claims	65 (1996–2024)
Claims Outside the SFHA	26 of 65
Most Recent Claim	Aug 2024, rainfall accumulation, Tropical Storm Debby
Claims By Storm	Hurricane Florence, Sep 2018 · 28 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 claims Hurricane Fran, Sep 1996 · 15 claims

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 1,250 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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