113 Lydia Dr, Swansboro, NC 28584 Property Records

Onslow County property record for 113 Lydia Dr, Swansboro, NC 28584

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,292 sqft · built 2018
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jun 2023)
Tax Bill	$3,939 (2026)
Deeds & Mortgages	Jun 2023 Sale Jun 2019 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`1320C-31`

Property Details

APN / Parcel Number

Primary APN	`1320C-31`
Alternative APNs	`0495300000` `188010001` `495300000` `060863`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,292 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Lot Area	29,621 sqft (0.68 acres)
Lot Dimensions	258 ft deep x 141 ft wide
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	495300000
Street Address	113 LYDIA DR
City	SWANSBORO
State	NC
Zip	28584-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20SF
Legal Description	L13 P2 WILLIAMSPORT
Legal Subdivision	WILLIAMSPORT PH 2
Legal Lot Number	13
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	3
Census Block	3023
Census Tract	105

Owner

113 Lydia Dr is owned by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	930 ALGONQUIN DR, BOONE, NC 28607-6472
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
Jun 23, 2023	Warranty Deed, Transfer
Jun 25, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 18, 2020	Deed of Trust, Mortgage NAVY FCU
May 20, 2019	Deed of Trust, Mortgage NAVY FCU
Apr 27, 2018	Warranty Deed, Transfer · Line of Credit COASTAL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	Aug 20, 1998
Deed Book / Page	5987 / 434
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 23, 2023
Property Address	113 LYDIA DR, SWANSBORO, NC 28584-8743
Document Number	0059870434
Book / Page	5987 / 434
Map Reference	CAB O
Instrument Date	Jun 20, 2023
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Amount	Amount on Record
Tax	$2,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	930 ALGONQUIN DR, BOONE, NC 28607-6472

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	113 LYDIA DR, SWANSBORO, NC 28584-8743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049700942
Date	Jun 25, 2019
Book Page	4970/942

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	113 LYDIA DR, SWANSBORO, NC 28584-8743
Document Number	0051710061
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 LYDIA DR SWANSBORO NC 285848743, SWANSBORO, NC 28584-8743

Mortgage

Document Number	0051710061
Date	May 22, 2020
Book Page	005171/000061

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 21, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	113 LYDIA DR, SWANSBORO, NC 28584-8743
Document Number	0049480411
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	113 LYDIA DR SWANSBORO NC 28584, SWANSBORO, NC 28584

Mortgage

Document Number	0049480411
Date	May 20, 2019
Book Page	004948/000411

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	300 Months
Due	May 19, 2044

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Apr 27, 2018
Property Address	113 LYDIA DR, SWANSBORO, NC 28584-8743
Document Number	0047700809
Book / Page	004770 / 000809
Instrument Date	Apr 26, 2018
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$196.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 1625 SWANSBORO NC 285841625, SWANSBORO, NC 28584-1625

Mortgage

Document Number	47700811
Date	Apr 27, 2018
Book Page	004770/000811

Lender

Name	COASTAL BK&TR
Type	Bank
Address	JACKSONVILLE, NC 28546-6907

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 113 Lydia Dr was $3,939.

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	$3,939.00	$1,050,588 Land $385,000 Building $665,588	$1,050,588 Land $385,000 Building $665,588
2023	$3,850.00	$587,907 (-) Land $225,000 Building $362,907	$587,907 (-) Land $225,000 Building $362,907
2022	$3,850.00	$587,907 Land $225,000 Building $362,907	$587,907 Land $225,000 Building $362,907

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

Flood

FEMA maps place 113 Lydia Dr in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Florence, Sep 2018 · 15 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 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 113 Lydia Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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