110 High Cottage Ln, Richlands, NC 28574 Property Records

Onslow County property record for 110 High Cottage Ln, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,364 sqft · built 2013
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (Sep 2025)
Tax Bill	$1,242 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`52C-3`

Property Details

APN / Parcel Number

Primary APN	`52C-3`
Alternative APNs	`490024466` `417069001` `153138`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,364 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	18,731 sqft (0.43 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	490024466
Street Address	110 HIGH COTTAGE LN
City	RICHLANDS
State	NC
Zip	28574-6408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L3 THE COTTAGES AT PETERSBURG 95E331
Legal Subdivision	THE COTTAGES AT PETERSBURG
Legal Lot Number	3
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	2
Census Block	2002
Census Tract	203

Owner

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	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 8, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 24, 2025	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jun 23, 2017	Quit Claim Deed, Transfer · VA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Nov 6, 2014 · Amount on Record
Deed Book / Page	6441 / 101
Prior Transfer Date	May 5, 2017
Prior Transfer Doc	0046340784
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408

Mortgage

Document Number	0060300247
Date	Sep 6, 2023
Book Page	6030/247

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408

Mortgage

Document Number	0059780312
Date	Jun 8, 2023
Book Page	5978/312

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 24, 2025
Property Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408
Document Number	0064410101
Book / Page	6441 / 101
Map Reference	MB 62 PG 18
Instrument Date	Sep 22, 2025
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408

Mortgage

Document Number	0006441104
Date	Sep 24, 2025
Instrument	6441/104

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 23, 2017
Property Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408
Document Number	0046340784
Book / Page	4634 / 784
Map Reference	MB62 PG18 SL N-52
Instrument Date	May 5, 2017
Instrument	4634-784
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 HIGH COTTAGE LN, RICHLANDS, NC 28574-6408

Mortgage

Document Number	0046340787
Date	Jun 23, 2017
Book Page	4634/787
Instrument	4634-787

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$1,242.00	$262,352 (+38.34%) Land $57,500 Building $204,852	$262,352 (+38.34%) Land $57,500 Building $204,852
2025	$1,242.00	$189,637 (-) Land $30,000 Building $159,637	$189,637 (-) Land $30,000 Building $159,637
2023	$1,242.00	$189,637 Land $30,000 Building $159,637	$189,637 Land $30,000 Building $159,637

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 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 Record median of 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	9 (2018)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 9 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 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.06% 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 44 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

Cell Coverage

5G (outdoors only) and 4G LTE

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