Onslow County property record for 103 Flat Rock Ln, Richlands, NC 28574
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,825 sqft · built 2006 |
| Lot Size | 2.11 acres (91,912 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,150 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 46B-152 |
| Primary APN | 46B-152 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,825 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 91,912 sqft (2.11 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 293048001 |
|---|---|
| Street Address | 103 FLAT ROCK LN |
| City | RICHLANDS |
| State | NC |
| Zip | 28574-7412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | L82 S4B WALNUT HILLS |
| Legal Subdivision | WALNUT HILLS S4B |
| Legal Lot Number | 82 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 204 |
Source: Onslow County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 103 FLAT ROCK LN, RICHLANDS, NC 28574-7412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 8, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2016 |
| Deed Sale | Feb 12, 2016 |
| Prior Sale | Oct 2, 2006 · Amount on Record |
| Deed Book / Page | 4413 / 388 |
| Prior Transfer Date | Feb 9, 2016 |
| Prior Transfer Doc | 0044130388 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 103 FLAT ROCK LN, RICHLANDS, NC 28574-7412 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0058180652 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 5818/652 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 103 FLAT ROCK LN, RICHLANDS, NC 28574-7412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050850773 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 5085/773 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,150.00 | $287,091 (+30.08%) Land $58,600 Building $228,491 | $287,091 (+30.08%) Land $58,600 Building $228,491 |
| 2025 | $1,150.00 | $220,703 (-) Land $35,100 Building $185,603 | $220,703 (-) Land $35,100 Building $185,603 |
| 2023 | $1,150.00 | $220,703 Land $35,100 Building $185,603 | $220,703 Land $35,100 Building $185,603 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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