46 Rochester St, Hampstead, NC 28443 Property Records

Pender County property record for 46 Rochester St, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,392 sqft · built 2018
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Aug 2023)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3281-86-5408-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-86-5408-0000`
Alternative APNs	`000054123` `978261`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,392 sqft Living Area

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

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	000054123
Street Address	46 ROCHESTER ST
City	HAMPSTEAD
State	NC
Zip	28443-5340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LT 49 PB 61
Legal Subdivision	SENECA REEF
Legal Lot Number	49
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1001
Census Tract	920202

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	46 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Feb 5, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 27, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Feb 27, 2019 · Amount on Record
Deed Document Number	0018914819
Deed Book / Page	1891 / 4819
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Aug 21, 2023
Property Address	46 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Document Number	0048191891
Book / Page	4819 / 1891
Map Reference	MB 61 PG 91
Instrument Date	Aug 16, 2023
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ROCHESTER ST, HAMPSTEAD, NC 28443-5340

Mortgage

Document Number	0048191894
Date	Aug 21, 2023
Instrument	4819-1894

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	46 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047032405
Date	Feb 5, 2020
Book Page	4703/2405

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Apr 1, 2049

February 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PENDER NC
Recording Date	Feb 27, 2019
Property Address	46 ROCHESTER ST, HAMPSTEAD, NC 28443-5340
Document Number	0046792591
Book / Page	004679 / 002591
Instrument Date	Feb 26, 2019
Instrument	20046068
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ROCHESTER ST HAMPSTEAD NC 284435340, HAMPSTEAD, NC 28443-5340

Mortgage

Document Number	46792593
Date	Feb 27, 2019
Book Page	004679/002593
Instrument	20046069

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2049

Tax Assessment & Valuation

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

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	$3,064.00 (+18.85%)	$544,594 (+75.84%) Land $69,250 Building $475,344	$544,594 (+75.84%) Land $69,250 Building $475,344
2023		$309,711 (-) Land $66,150 Building $243,561	$309,711 (-) Land $66,150 Building $243,561
2022	$2,578.00	$309,711 Land $66,150 Building $243,561	$309,711 Land $66,150 Building $243,561

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 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.08% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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