904 Terraces Ln, Hampstead, NC 28443 Property Records

Pender County property record for 904 Terraces Ln, Hampstead, NC 28443

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,260 sqft · built 2022
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$398,500 (Nov 2022)
Tax Bill	$2,053 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4215-97-3022-0000`

Property Details

APN / Parcel Number

Primary APN	`4215-97-3022-0000`
Alternative APN	`000049601`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,260 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	000049601
Street Address	904 TERRACES LN
City	HAMPSTEAD
State	NC
Zip	28443-7263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 PB 67/107 THE TERRACES PH 1
Legal Phase	1
Legal Lot Number	1
Jurisdiction	PENDER NC
Township / Civil Division	TOPSAIL
Census Block Group	2
Census Block	2001
Census Tract	920104

Owner

Source: Pender County records, as of January 27, 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	904 TERRACES LN, HAMPSTEAD, NC 28443-7263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Deed Document Number	202220109520
Deed Book / Page	4801 / 1208
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PENDER NC
Recording Date	Nov 14, 2022
Property Address	904 TERRACES LN, HAMPSTEAD, NC 28443-7263
Document Number	0048011208
Book / Page	4801 / 1208
Map Reference	MB 67 PG 107
Instrument Date	Nov 3, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$797.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 TERRACES LN, HAMPSTEAD, NC 28443-7263
Investor	Possibly a Property Investor

Mortgage

Document Number	0048011211
Date	Nov 14, 2022
Book Page	4801/1211

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,053.00 (+516.52%)	$402,678 (+62.76%) Land $30,923 Building $371,755	$402,678 (+62.76%) Land $30,923 Building $371,755
2023		$247,401 (+446.43%) Land $45,276 Building $202,125	$247,401 (+446.43%) Land $45,276 Building $202,125
2022	$333.00	$45,276 Land $45,276	$45,276 Land $45,276

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
Flood Insurance Cost	Premium on Record 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 53% of the US · above 75% 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 128 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20