Onslow County property record for 108 Craig Dr, Hubert, NC 28539
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,220 sqft · built 2005 |
| Lot Size | 1.31 acres (57,064 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,766 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 1306C-14 |
| Primary APN | 1306C-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,220 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 57,064 sqft (1.31 acres) |
| View / Lot | Waterfront / Beach |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 110903000 |
|---|---|
| Street Address | 108 CRAIG DR |
| City | HUBERT |
| State | NC |
| Zip | 28539-3864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8M |
| Legal Description | L14 RACHELS HARBOR |
| Legal Subdivision | RACHELS HARBOR |
| Legal Lot Number | 14 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | SWANSBORO |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 105 |
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 | 108 CRAIG DR, HUBERT, NC 28539-3864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Oct 18, 2018 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Dec 26, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 108 CRAIG DR, HUBERT, NC 28539-3864 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 108 CRAIG DR, HUBERT, NC 28539-3864 |
| Document Number | 0055910313 |
|---|---|
| Date | Oct 11, 2021 |
| Book Page | 5591/313 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 108 CRAIG DR, HUBERT, NC 28539-3864 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048490523 |
|---|---|
| Date | Oct 18, 2018 |
| Book Page | 4849/523 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 28, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 108 CRAIG DR, HUBERT, NC 28539-3864 |
| Document Number | 0050950788 |
| Instrument Date | Dec 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 108 CRAIG DR HUBERT NC 285393864, HUBERT, NC 28539-3864 |
| Document Number | 0050950788 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 005095/000788 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate | 3.75% |
|---|
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 | $1,766.00 | $386,557 (+43.36%) Land $75,100 Building $311,457 | $386,557 (+43.36%) Land $75,100 Building $311,457 |
| 2023 | $1,766.00 | $269,642 Land $65,100 Building $204,542 | $269,642 Land $65,100 Building $204,542 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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 | Moderate above 66% of the US · above 88% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 28 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 |
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