101 Lydia Dr, Swansboro, NC 28584 Property Records

Onslow County property record for 101 Lydia Dr, Swansboro, NC 28584

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,469 sqft · built 2007
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Feb 2023)
Tax Bill	$2,565 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1320C-19`

Property Details

APN / Parcel Number

Primary APN	`1320C-19`
Alternative APNs	`0492395000` `465708000` `492395000` `060851`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,469 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	205 ft deep x 97 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	492395000
Street Address	101 LYDIA DR
City	SWANSBORO
State	NC
Zip	28584-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20SF
Legal Description	RBO P2 WILLIAMSPORT 2850/144 4/5/07
Legal Subdivision	RBO AREA WILLIAMSPORT P2
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	3
Census Block	3023
Census Tract	105

Owner

101 Lydia Dr is owned and occupied by an individual who bought it in February 2023.

Source: Onslow County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	101 LYDIA DR, SWANSBORO, NC 28584-8743
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
Feb 17, 2023	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Dec 8, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 22, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on File
Deed Sale	Feb 17, 2023 · Amount on File
Prior Sale	Oct 22, 2020 · Amount on File
Deed Book / Page	5916 / 216
Prior Transfer Date	Mar 18, 2009
Prior Transfer Doc	0031970947
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Feb 17, 2023
Property Address	101 LYDIA DR, SWANSBORO, NC 28584-8743
Document Number	0059160216
Book / Page	5916 / 216
Map Reference	MB53 PG1 SL1816
Instrument Date	Feb 8, 2023
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LYDIA DR, SWANSBORO, NC 28584-8743

Mortgage

Document Number	0005916219
Date	Feb 17, 2023
Instrument	5916-219

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	101 LYDIA DR, SWANSBORO, NC 28584-8743
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LYDIA DR, SWANSBORO, NC 28584-8743

Mortgage

Document Number	0056380916
Date	Dec 8, 2021
Book Page	5638/916

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	26592

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Oct 22, 2020
Property Address	101 LYDIA DR, SWANSBORO, NC 28584-8743
Document Number	0052940707
Book / Page	005294 / 000707
Instrument Date	Oct 21, 2020
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$520.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LYDIA DR SWANSBORO NC 285848743, SWANSBORO, NC 28584-8743

Tax Assessment & Valuation

The 2026 property tax bill for 101 Lydia Dr was $2,565.

Source: Onslow County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,565.00	$665,753 (+7%) Land $100,000 Building $565,753	$665,753 (+7%) Land $100,000 Building $565,753
2025	$2,565.00	$391,614 Land $80,000 Building $311,614	$391,614 Land $80,000 Building $311,614
2023	$2,565.00	$391,614 Land $80,000 Building $311,614	$391,614 Land $80,000 Building $311,614

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Lydia Dr in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective August 12, 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 File median of 114 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	114 in force
Nearby Flood Claims	19 (1996–2018)
Claims Outside the SFHA	4 of 19
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 15 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 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 101 Lydia Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.03% 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	ONSLOW WTR AND SEWER AUTHORITY serves 156,755 people · EPA ID NC0467035
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 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

May also be available: Brightspeed.

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