685 Lake Rd, Watha (Willard), NC 28478 Property Records

Pender County property record for 685 Lake Rd, Watha, NC 28478

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,200 sqft · built 1998
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Oct 2023)
Tax Bill	$762 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3302-32-0564-0000`

Property Details

APN / Parcel Number

Primary APN	`3302-32-0564-0000`
Alternative APNs	`000054027` `7738`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Construction Type	Manufactured
Foundation Type	No Foundation
Roof Type	Gable/Hip
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Detached
Garage Area	900 sqft

Exterior Amenities

Patio Area	240 sqft
Shed	1 Shed
Shed Area	80 sqft
Lean-To	32 sqft
Quonset Hut	750 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	000054027
Street Address	685 LAKE RD
City	WILLARD
State	NC
Zip	28478-9323
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R20
Legal Description	ON W/S 1333
Jurisdiction	PENDER NC
Township / Civil Division	UNION
Census Block Group	2
Census Block	2032
Census Tract	920300

Owner

685 Lake Rd, a mobile home, is owned and occupied by two individuals who bought it in October 2023.

Source: Pender County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	685 LAKE RD, WILLARD, NC 28478-9323
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA
May 3, 2023	Warranty Deed, Transfer
May 3, 2023	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on File
Deed Sale	Oct 24, 2023 · Amount on File
Prior Sale	May 3, 2023 · Amount on File
Deed Document Number	202320121588
Deed Book / Page	4823 / 2685
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Recording Date	Aug 26, 2026
Property Address	685 LAKE RD, WILLARD, NC 28478-9323
Document Number	0020160344
Book / Page	4901 / 1531
Instrument Date	Aug 21, 2026
Instrument	202620160344
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 LAKE RD, WILLARD, NC 28478-9323

Mortgage

Document Number	0020160344,
Date	Aug 26, 2026
Book Page	4901/1531
Instrument	202620160344

Lender

Name	FIRST NATIONAL BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 10, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	May 3, 2023
Property Address	685 LAKE RD, WATHA, NC 28478-9323
Document Number	0048120007
Book / Page	4812 / 7
Instrument Date	Apr 14, 2023
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount on Record
Tax	$146.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SMILAX LN, WILMINGTON, NC 28412-3274
Investor	Possibly a Property Investor

May 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	PENDER NC
Recording Date	May 3, 2023
Property Address	685 LAKE RD, WATHA, NC 28478-9323
Document Number	0048120012
Book / Page	4812 / 12
Instrument Date	Jan 16, 2023
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SMILAX LN, WILMINGTON, NC 28412-3274
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 685 Lake Rd was $762.

Source: Pender County assessment roll, as of January 27, 2026

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	$762.00	$199,194 Land $14,850 Building $184,344	$199,194 Land $14,850 Building $184,344
2023		$59,836 (-) Land $17,000 Building $42,836	$59,836 (-) Land $17,000 Building $42,836
2022	$721.00	$59,836 Land $17,000 Building $42,836	$59,836 Land $17,000 Building $42,836

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 685 Lake Rd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1999–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

Wildfire risk around 685 Lake Rd is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.08% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Focus Broadband Fiber	1,000 / 1,000

May also be available: Spectrum.

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