109 Pine Needle Dr, Hubert, NC 28539 Property Records

Onslow County property record for 109 Pine Needle Dr, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,106 sqft · built 1992
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (May 2020)
Tax Bill	$978 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1315-309`

Property Details

APN / Parcel Number

Primary APN	`1315-309`
Alternative APNs	`460450000` `047993`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,106 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	460450000
Street Address	109 PINE NEEDLE DR
City	HUBERT
State	NC
Zip	28539-4483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L24 S2 WHISPERING PINES
Legal Subdivision	WHISPERING PINES
Legal Lot Number	24
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	1
Census Block	1011
Census Tract	2803

Owner

109 Pine Needle Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	109 PINE NEEDLE DR, HUBERT, NC 28539-4483
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
May 13, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jan 15, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2020 · Amount on File
Deed Sale	May 13, 2020 · Amount on File
Prior Sale	Jan 15, 2019 · Amount on File
Deed Book / Page	5163 / 486
Prior Transfer Date	Aug 12, 2008
Prior Transfer Doc	0031190860
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 13, 2020
Property Address	109 PINE NEEDLE DR, HUBERT, NC 28539-4483
Document Number	0051630486
Book / Page	005163 / 000486
Instrument Date	Apr 30, 2020
Transaction Type	Transfer
Record Updated	Jul 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PINE NEEDLE DR HUBERT NC 285394483, HUBERT, NC 28539-4483

Mortgage

Document Number	51630489
Date	May 13, 2020
Book Page	005163/000489

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jan 15, 2019
Property Address	109 PINE NEEDLE DR, HUBERT, NC 28539-4483
Document Number	0048850437
Book / Page	4885 / 437
Map Reference	MB 25 PG 196
Instrument Date	Jan 2, 2019
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1307 OLD COACH RD, 1307, CHESAPEAKE, VA 23322-6836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PINE NEEDLE DR, HUBERT, NC 28539-4483

Mortgage

Document Number	0004885440
Date	Jan 15, 2019
Instrument	4885/440

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 109 Pine Needle Dr was $978.

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	$978.00	$239,623 (+60.34%) Land $50,000 Building $189,623	$239,623 (+60.34%) Land $50,000 Building $189,623
2025	$978.00	$149,448 Land $40,000 Building $109,448	$149,448 Land $40,000 Building $109,448
2023	$978.00	$149,448 Land $40,000 Building $109,448	$149,448 Land $40,000 Building $109,448

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

Flood

FEMA maps place 109 Pine Needle Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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 109 Pine Needle Dr is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.05% 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 70 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

Cell Coverage

5G (outdoors only) and 4G LTE

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