654 Hughes Rd, Hampstead, NC 28443 Property Records

Pender County property record for 654 Hughes Rd, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,400 sqft · built 2018
Lot Size	0.464 acres (20,212 sqft)
Owner	2 Individual Names on File
Last Sale	$47,500 (Nov 2015)
Tax Bill	$3,178 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3281-98-5610-0000`

Property Details

APN / Parcel Number

Primary APN	`3281-98-5610-0000`
Alternative APNs	`400969089` `969089`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,400 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Wood Shingle
Foundation Type	Raised
Lot Area	20,212 sqft (0.464 acres)
Terrain	Low
Garage Type	Detached
Garage Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	400969089
Old Parcel Number	3281 98 5610 0000
Street Address	654 HUGHES RD
City	HAMPSTEAD
State	NC
Zip	28443-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20C
Legal Description	L 19 PB 8/18 WASHINGTON ACRES
Legal Subdivision	WASHINGTON ACRES
Legal Lot Number	19
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2031
Census Tract	920202

Owner

Source: Pender County records · APN 3281-98-5610-0000

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	2 Individual Names on File
Mailing Address	654 HUGHES RD, HAMPSTEAD, NC 28443-2102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 12, 2018	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 04, 2015 · Amount on Record
Deed Sale	Nov 04, 2015 · Amount on Record
Deed Document Number	0025934609
Deed Book / Page	2593 / 4609
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	654 HUGHES RD, HAMPSTEAD, NC 28443-2102
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047620529
Date	Aug 19, 2021
Book Page	4762/529

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 01, 2026
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Max Rate	8.75%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Property Address	654 HUGHES RD, WILMINGTON, NC 28411
Document Number	0046602284
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Mar 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	HUGHES RD HAMPSTEAD NC 28443, HAMPSTEAD, NC 28443

Mortgage

Document Number	0046602284
Date	Mar 12, 2018
Book Page	004660/002284
Instrument	20034320

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Pender County records · Assessment roll updated January 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Pender County
Unified School District	Pender County Schools (PK - 12)

Tax Bill & Assessment History

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	$3,178.00 (+25.02%)	$624,526 (+104.48%) Land $57,162 Building $567,364	$624,526 (+104.48%) Land $57,162 Building $567,364
2023		$305,418 (-) Land $70,968 Building $234,450	$305,418 (-) Land $70,968 Building $234,450
2022	$2,542.00	$305,418 Land $70,968 Building $234,450	$305,418 Land $70,968 Building $234,450

Flood & Wildfire

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

Flood

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 259 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	259 in force
Nearby Flood Claims	69 (1988–2026)
Claims Outside the SFHA	24 of 69
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 23 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 12 claims Hurricane Fran, Sep 1996 · 22 claims

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Based on FCC filings for 145 locations within half a mile of this property.

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