5 Shell Ct, Surf City (Holly Ridge), NC 28445 Property Records

Pender County property record for 5 Shell Ct, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1994
Lot Size	0.191 acres (8,320 sqft)
Owner	Individual Name on Record
Last Sale	$398,000 (Oct 2017)
Tax Bill	$2,497 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`4224-81-5368-0000`

Property Details

APN / Parcel Number

Primary APN	`4224-81-5368-0000`
Alternative APNs	`400977559` `977559`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Lot Area	8,320 sqft (0.191 acres)
Lot Dimensions	100 ft deep x 75 ft wide

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	96 sqft
Cabin	Cabin

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	400977559
Old Parcel Number	4224 81 5368 0000
Street Address	5 SHELL CT
City	SURF CITY
State	NC
Zip	28445-7867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	L5 PB 27/12 PLEASANT COVE
Legal Subdivision	PLEASANT COVE
Legal Lot Number	5
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	1
Census Block	1055
Census Tract	920106

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
Mailing Address	5 SHELL CT, SURF CITY, NC 28445-7867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Oct 18, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2017 · Amount on Record
Deed Sale	Oct 18, 2017 · Amount on Record
Deed Document Number	0002324653
Deed Book / Page	232 / 4653
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	5 SHELL CT, SURF CITY, NC 28445-7867
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047231186
Date	Sep 1, 2020
Book Page	4723/1186

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Oct 18, 2017
Property Address	5 SHELL CT, SURF CITY, NC 28445-7867
Document Number	0046530232
Book / Page	004653 / 000232
Instrument Date	Oct 11, 2017
Instrument	20029604
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$796.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SHELL CT SURF CITY NC 284457867, SURF CITY, NC 28445-7867

Mortgage

Document Number	46530235
Date	Oct 18, 2017
Book Page	004653/000235
Instrument	20029605

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2047

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	$2,497.00 (+12.58%)	$734,508 (+144.14%) Land $454,704 Building $279,804	$734,508 (+144.14%) Land $454,704 Building $279,804
2023		$300,851 (-) Land $118,919 Building $181,932	$300,851 (-) Land $118,919 Building $181,932
2022	$2,218.00	$300,851 Land $118,919 Building $181,932	$300,851 Land $118,919 Building $181,932

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 2,399 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2,712 units insured incl. 313 condo units
Nearby Flood Claims	661 (1986–2024)
Claims Outside the SFHA	6 of 661
Most Recent Claim	Sep 2024 · tidal / storm surge
Claims by Event	Hurricane Florence, Sep 2018 · 385 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 82 claims Hurricane Fran, Sep 1996 · 103 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	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SURF CITY serves 9,730 people · EPA ID NC0471015
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 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

Cell Coverage

5G (outdoors only) and 4G LTE

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