Pender County property record for 640 Castle Bay Dr, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,577 sqft · built 2015 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,500 (Apr 2017) |
| Tax Bill | $3,740 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3293-29-0264-0000 |
| Primary APN | 3293-29-0264-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,577 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Lot Area | 17,424 sqft (0.4 acres) |
| Porch | Porch |
| Porch Area | 126 sqft |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 400974912 |
|---|---|
| Street Address | 640 CASTLE BAY DR |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-2192 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | L98,PB 38/47 CASTLE BAY, PH 3 |
| Legal Subdivision | CASTLE BAY |
| Legal Phase | 3 |
| Legal Lot Number | 98 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 920203 |
640 Castle Bay Dr is owned and occupied by an individual who bought it in April 2017.
Source: Pender County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 CASTLE BAY DR, HAMPSTEAD, NC 28443-2192 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Sep 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Apr 12, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2017 · Amount on File |
| Deed Sale | Apr 12, 2017 · Amount on File |
| Prior Sale | May 24, 2016 · Amount on File |
| Deed Book / Page | 4641 / 68 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 640 CASTLE BAY DR, HAMPSTEAD, NC 28443-2192 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0048721739 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 4872/1739 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 640 CASTLE BAY DR, HAMPSTEAD, NC 28443-2192 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Title Company | NOT AVAILABLE, SOURCEPOINT |
| Name | Verified Name |
|---|
| Document Number | 0048220608 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 4822/608 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | Apr 12, 2017 |
| Property Address | 640 CASTLE BAY DR, HAMPSTEAD, NC 28443-2192 |
| Document Number | 0046410068 |
| Book / Page | 4641 / 0068 |
| Map Reference | MB 38 PG 47 |
| Instrument Date | Apr 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 CASH BAY DR, HAMPSTEAD, NC 28443 |
| Document Number | 0046410072 |
|---|---|
| Date | Apr 12, 2017 |
| Book Page | 4641/0072 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | 25279 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
The 2025 property tax bill for 640 Castle Bay Dr was $3,740.
Source: Pender County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Unified School District | Pender County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,740.00 | $608,625 Land $51,450 Building $557,175 | $608,625 Land $51,450 Building $557,175 |
| 2023 | $382,706 (-) Land $72,523 Building $310,183 | $382,706 (-) Land $72,523 Building $310,183 | |
| 2022 | $3,296.00 | $382,706 Land $72,523 Building $310,183 | $382,706 Land $72,523 Building $310,183 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Castle Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 |
|
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 risk around 640 Castle Bay Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · above 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CASTLE BAY S/D private · serves 777 people · EPA ID NC7071018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 87 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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