116 Shadow Creek Dr, Hubert, NC 28539 Property Records

Onslow County property record for 116 Shadow Creek Dr, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,970 sqft · built 2018
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (May 2019)
Tax Bill	$2,709 (2026)
Deeds & Mortgages	May 2019 Sale & Mortgage May 2018 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`1314C-152`

Property Details

APN / Parcel Number

Primary APN	`1314C-152`
Alternative APNs	`449898000` `161973`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,970 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	42,253 sqft (0.97 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	449898000
Street Address	116 SHADOW CREEK DR
City	HUBERT
State	NC
Zip	28539-6005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8M
Legal Description	L47 SHADOW CREEK EST
Legal Subdivision	SHADOW CREEK ESTATES
Legal Lot Number	47
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	3
Census Block	3009
Census Tract	2803

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	116 SHADOW CREEK DR, HUBERT, NC 28539-6005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA
May 3, 2018	Deed of Trust, Mortgage · Line of Credit BUILDER FINANCE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2019 · Amount on Record
Deed Sale	May 9, 2019 · Amount on Record
Deed Book / Page	4942 / 43
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 9, 2019
Property Address	116 SHADOW CREEK DR, HUBERT, NC 28539-6005
Document Number	0049420043
Book / Page	004942 / 000043
Instrument Date	May 9, 2019
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	116 SHADOW CREEK DR HUBERT NC 285396005, HUBERT, NC 28539-6005

Mortgage

Document Number	49420046
Date	May 9, 2019
Book Page	004942/000046

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	116 SHADOW CREEK DR, HUBERT, NC 28539-6005
Document Number	0047740483
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	601 PELETIER LOOP RD SWANSBORO NC 285847502, SWANSBORO, NC 28584-7502

Mortgage

Document Number	0047740483
Date	May 3, 2018
Book Page	004774/000483

Lender

Name	BUILDER FINANCE GROUP LLC
Type	Funding / Finance Company
Address	SMITHFIELD, NC 27577-1457

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,709.00	$363,538 (+34.83%) Land $72,000 Building $291,538	$363,538 (+34.83%) Land $72,000 Building $291,538
2023	$2,709.00	$269,619 Land $45,000 Building $224,619	$269,619 Land $45,000 Building $224,619

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 53 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	1 (2018)
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

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

Wildfire Risk	Moderate above 44% of the US · above 65% 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 145 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.

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