801 Garden Rd, Willard, NC 28478 Property Records

Pender County property record for 801 Garden Rd, Willard, NC 28478

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,148 sqft · built 1972
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$206,500 (Sep 2025)
Tax Bill	$964 (2022)
Deeds & Mortgages	May 2026 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2383-63-2878-0000`

Property Details

APN / Parcel Number

Primary APN	`2383-63-2878-0000`
Alternative APN	`19252`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Gable/Hip
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Shed	1 Shed
Shed Area	144 sqft
Lean-To	72 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	801 GARDEN RD
City	WILLARD
State	NC
Zip	28478-6793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	L 21,PB 12/37 LEA ACRES
Legal Subdivision	LEA ACRES
Legal Lot Number	21
Jurisdiction	PENDER NC
Township / Civil Division	UNION
Census Block Group	3
Census Block	3032
Census Tract	920300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Penderlea Homesteads Historic District listed 2013 · 197 contributing resources · NRIS 13000803

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Pender County records, as of May 29, 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 Record
Mailing Address	801 GARDEN RD, WILLARD, NC 28478-6793
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Jan 20, 2021 · Amount on Record
Deed Document Number	202520146395
Deed Book / Page	4873 / 330
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PENDER NC
Recording Date	May 20, 2026
Property Address	801 GARDEN RD, WILLARD, NC 28478-6793
Document Number	0020156265
Book / Page	4893 / 956
Instrument Date	May 15, 2026
Instrument	202620156265
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 GARDEN RD, WILLARD, NC 28478-6793
Investor	Possibly a Property Investor

Mortgage

Document Number	0020156265,
Date	May 20, 2026
Book Page	4893/956
Instrument	202620156265

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Jan 20, 2021
Property Address	801 GARDEN RD, WILLARD, NC 28478-6793
Document Number	0047381717
Book / Page	4738 / 1717
Map Reference	MB 12 PG 13
Instrument Date	Dec 21, 2020
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
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	801 GARDEN RD, WILLARD, NC 28478-6793

Mortgage

Document Number	0047381719
Date	Jan 20, 2021
Instrument	4738/1719

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

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		$169,315 (+90.52%) Land $10,834 Building $158,481	$169,315 (+90.52%) Land $10,834 Building $158,481
2023		$88,870 (-) Land $12,800 Building $76,070	$88,870 (-) Land $12,800 Building $76,070
2022	$964.00	$88,870 Land $12,800 Building $76,070	$88,870 Land $12,800 Building $76,070

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1999–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 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

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LEA ACRES WATER CO INC private · serves 120 people · EPA ID NC0471113
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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