104 E Bay Dr, Sneads Ferry, NC 28460 Property Records

Onslow County property record for 104 E Bay Dr, Sneads Ferry, NC 28460

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 2,004 sqft · built 1984
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Sep 2022)
Tax Bill	$2,287 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`777A-24`

Property Details

APN / Parcel Number

Primary APN	`777A-24`
Alternative APNs	`489340000` `461563000` `042328`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,004 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	489340000
Street Address	104 E BAY DR
City	SNEADS FERRY
State	NC
Zip	28460-9723
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-5
Legal Description	L4 S1 P2 BAYSHORE MARINA
Legal Subdivision	BAYSHORE MA+RQ PH 2 SEC 1
Legal Lot Number	4
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	2
Census Block	2002
Census Tract	405

Owner

104 E Bay Dr, a townhouse, is owned by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	11024 TRAPPERS CREEK DR, RALEIGH, NC 27614-9068
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
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage WEST TOWN BANK & TRUST
Jun 19, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2022 · Amount on File
Deed Sale	Sep 26, 2022 · Amount on File
Prior Sale	Jun 19, 2020 · Amount on File
Deed Book / Page	5843 / 271
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 26, 2022
Property Address	104 E BAY DR, SNEADS FERRY, NC 28460-9723
Document Number	0058430271
Book / Page	5843 / 271
Map Reference	MB 22 PG 30 SL B-298
Instrument Date	Sep 6, 2022
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005843275
Date	Sep 26, 2022
Instrument	5843-275

Lender

Name	WEST TOWN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 19, 2020
Property Address	104 E BAY DR, SNEADS FERRY, NC 28460-9723
Document Number	0051910625
Book / Page	005191 / 000625
Instrument Date	May 31, 2020
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E BAY DR SNEADS FERRY NC 284609723, SNEADS FERRY, NC 28460-9723

Mortgage

Document Number	51910630
Date	Jun 19, 2020
Book Page	005191/000630

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 104 E Bay Dr was $2,287.

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	$2,287.00	$421,573 Land $100,000 Building $321,573	$421,573 Land $100,000 Building $321,573
2023	$2,287.00	$349,250 Land $78,000 Building $271,250	$349,250 Land $78,000 Building $271,250

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

Flood

FEMA maps place 104 E Bay Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 182 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	182 in force
Nearby Flood Claims	19 (1999–2024)
Most Recent Claim	Sep 2024 · Potential Tropical Cyclone Eight
Claims by Event	Hurricane Florence, Sep 2018 · 13 claims Hurricane Ophelia, Sep 2005 · 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 104 E Bay Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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