645 Bay Harbor Dr, Hampstead, NC 28443 Property Records

Pender County property record for 645 Bay Harbor Dr, Hampstead, NC 28443

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,434 sqft · built 1991
Lot Size	0.687 acres (29,969 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Feb 2018)
Tax Bill	$1,214 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4214-69-0474-0000`

Property Details

APN / Parcel Number

Primary APN	`4214-69-0474-0000`
Alternative APNs	`000024782` `978997`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,434 sqft Living Area
Flooring	Vinyl/Resilient
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Construction Type	Manufactured
Foundation Type	Raised
Lot Area	29,969 sqft (0.687 acres)

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Deck Area	360 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	000024782
Old Parcel Number	4214 69 0474 0000
Street Address	645 BAY HARBOR DR
City	HAMPSTEAD
State	NC
Zip	28443-2766
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R20
Legal Description	L 6,PB 24/114, BAY HARBOR
Legal Subdivision	BAY HARBOR
Legal Lot Number	6
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2022
Census Tract	920104

Owner

Source: Pender County records, as of January 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	645 BAY HARBOR DR, HAMPSTEAD, NC 28443-2766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 29, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 28, 2018	Warranty Deed, Transfer · FHA Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2018 · Amount on File
Deed Sale	Feb 28, 2018 · Amount on File
Prior Sale	Dec 6, 2012
Deed Document Number	0001034660
Deed Book / Page	103 / 4660
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	645 BAY HARBOR DR, HAMPSTEAD, NC 28443-2766
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BAY HARBOR DR, HAMPSTEAD, NC 28443-2766

Mortgage

Document Number	0048472846
Date	Oct 8, 2024
Book Page	4847/2846

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 10, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	645 BAY HARBOR DR, HAMPSTEAD, NC 28443-2766
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047570150
Date	Jun 29, 2021
Book Page	4757/150

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Mar 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Feb 28, 2018
Property Address	645 BAY HARBOR DR, HAMPSTEAD, NC 28443-2766
Document Number	0046600103
Book / Page	4660 / 0103
Map Reference	MB24 PG114
Instrument Date	Feb 28, 2018
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 ISLAN CT, 51, WILLOW SPRING, NC 27592-6536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BAY HARBOR DR, HAMPSTEAD, NC 28443-2766

Mortgage

Document Number	0004660106
Date	Feb 28, 2018
Instrument	4660/106

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

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	$1,214.00	$194,911 (+77.73%) Land $77,154 Building $117,757	$194,911 (+77.73%) Land $77,154 Building $117,757
2024	$1,214.00 (+7.24%)	$109,665 (-) Land $61,283 Building $48,382	$109,665 (-) Land $61,283 Building $48,382
2023		$109,665 (-) Land $61,283 Building $48,382	$109,665 (-) Land $61,283 Building $48,382
2022	$1,132.00	$109,665 Land $61,283 Building $48,382	$109,665 Land $61,283 Building $48,382

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 File median of 136 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 4 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	0.09% 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 206 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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