1052 1st St, Surf City (Holly Ridge), NC 28445 Property Records

Onslow County property record for 1052 1st St, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,560 sqft · built 1989
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$23,000 (Jan 2020)
Tax Bill	$3,919 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage Feb 2017 Sale
Flood Zone	Zone VE (high risk)
APN	`800-8`

Property Details

APN / Parcel Number

Primary APN	`800-8`
Alternative APNs	`434489000` `020223`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cottage
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
View / Lot	Waterfront - Canal

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	434489000
Street Address	1052 1ST ST
City	SURF CITY
State	NC
Zip	28445-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHS
Legal Description	L19 S3 B45 OLD SETTLERS BEACH
Legal Subdivision	OLD SETTLERS BEACH SEC 3
Legal Block	45
Legal Lot Number	19
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	1
Census Block	1062
Census Tract	403

Owner

Source: Onslow County records, as of October 13, 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	245 MORNING VIEW WAY, LELAND, NC 28451-7674
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK
Feb 24, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on Record
Deed Sale	Jan 27, 2020 · Amount on Record
Prior Sale	Jul 20, 2017 · Amount on Record
Deed Book / Page	5094 / 742
Prior Transfer Date	Aug 12, 2014
Prior Transfer Doc	0042130417
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jul 20, 2017
Property Address	1052 1ST ST, SURF CITY, NC 28445-8623
Document Number	0046470791
Book / Page	4647 / 791
Map Reference	MB11 PG31
Instrument Date	Jul 20, 2017
Instrument	4647-791
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700, HAMPSTEAD, NC 28443-0700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 MORNING VIEW WAY, LELAND, NC 28451-7674

Mortgage

Document Number	0004647794
Date	Jul 20, 2017
Instrument	4647-794

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Feb 24, 2017
Property Address	1052 1ST ST, SURF CITY, NC 28445-8623
Document Number	0045800968
Book / Page	004580 / 000968
Instrument Date	Feb 21, 2017
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$650.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 700 HAMPSTEAD NC 284430700, HAMPSTEAD, NC 28443-0700

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,919.00 (+1.98%)	$893,272 (+49.29%) Land $500,000 Building $393,272	$893,272 (+49.29%) Land $500,000 Building $393,272
2025	$3,843.00	$598,335 (+1.96%) Land $315,000 Building $283,335	$598,335 (+1.96%) Land $315,000 Building $283,335
2023	$3,843.00	$586,805 Land $315,000 Building $271,805	$586,805 Land $315,000 Building $271,805

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

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 1,239 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,682 units insured incl. 443 condo units
Nearby Flood Claims	2,537 (1983–2025)
Claims Outside the SFHA	21 of 2,537
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 420 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 545 claims Hurricane Fran, Oct 1996 · 671 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 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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