Pender County property record for 646 Saw Grass Rd, Hampstead, NC 28443
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,185 sqft · built 1991 |
| Lot Size | 0.591 acres (25,744 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (May 2019) |
| Tax Bill | $2,809 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4203-20-3950-0000 |
| Primary APN | 4203-20-3950-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,185 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 25,744 sqft (0.591 acres) |
| Porch | Porch |
| Porch Area | 36 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 000060871 |
|---|---|
| Old Parcel Number | 4203 20 3950 0000 |
| Street Address | 646 SAW GRASS RD |
| City | HAMPSTEAD |
| State | NC |
| Zip | 28443-2361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | LT 68 PB 13/69 OLDE POINT |
| Legal Subdivision | OLDE POINT |
| Legal Phase | 2 |
| Legal Lot Number | 68 |
| Jurisdiction | PENDER NC |
| Township / Civil Division | TOPSAIL |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 920202 |
Source: Pender County records · APN 4203-20-3950-0000
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4919 MONTCLAIR AVE, CHARLOTTE, NC 28211-2911 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CERTAINTY HOME LOANS LLC |
| May 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on Record |
| Deed Sale | May 31, 2019 · Amount on Record |
| Deed Document Number | 0025914685 |
| Deed Book / Page | 2591 / 4685 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDER NC |
| Property Address | 646 SAW GRASS RD, HAMPSTEAD, NC 28443-2361 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0047130781 |
|---|---|
| Date | Jun 01, 2020 |
| Book Page | 4713/781 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDER NC |
| Recording Date | May 31, 2019 |
| Property Address | 646 SAW GRASS RD, HAMPSTEAD, NC 28443-2361 |
| Document Number | 0046852591 |
| Book / Page | 4685 / 2591 |
| Map Reference | MB 13 PG 69 |
| Instrument Date | May 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 05, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4919 MONTCLAIR AVE, CHARLOTTE, NC 28211-2911 |
| Document Number | 0046852594 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 4685/2594 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Pender County records · Assessment roll updated January 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Pender County |
| Unified School District | Pender County Schools (PK - 12) |
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 | $2,809.00 (+9.38%) | $499,495 (+77.05%) Land $156,564 Building $342,931 | $499,495 (+77.05%) Land $156,564 Building $342,931 |
| 2023 | $282,114 (-) Land $91,411 Building $190,703 | $282,114 (-) Land $91,411 Building $190,703 | |
| 2022 | $2,568.00 | $282,114 Land $91,411 Building $190,703 | $282,114 Land $91,411 Building $190,703 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 93 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 52 (1996–2020) |
| Claims Outside the SFHA | 38 of 52 |
| Most Recent Claim | Aug 2020 · Hurricane Isaias |
| Claims by Event |
|
| Wildfire Risk | Moderate above 47% of the US · above 68% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 127 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BELVEDERE PLANTATION private · serves 3,462 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 3 ppb (2026–2028) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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