118 Summer Rest Trl, Hubert, NC 28539 Property Records

Onslow County property record for 118 Summer Rest Trl, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,635 sqft · built 2019
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on File
Last Sale	$21,000 (Oct 2009)
Tax Bill	$3,338 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1315F-22`

Property Details

APN / Parcel Number

Primary APN	`1315F-22`
Alternative APNs	`443740000` `158460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,635 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	117,612 sqft (2.7 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	443740000
Street Address	118 SUMMER REST TRL
City	HUBERT
State	NC
Zip	28539-3986
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L29R ELWOOD YATES GLADWELL JR & DEBRA H
Legal Subdivision	ELWOOD Y GLADWELL JR & DEBRA H
Legal Lot Number	29R
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	1
Census Block	1001
Census Tract	2801

Owner

118 Summer Rest Trl is owned and occupied by two individuals who bought it in October 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	118 SUMMER REST TRL, HUBERT, NC 28539-3986
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
Feb 9, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2009 · Amount on File
Deed Sale	Oct 23, 2009 · Amount on File
Deed Book / Page	3311 / 708
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	118 SUMMER REST TRL, HUBERT, NC 28539-3986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047350500
Date	Feb 9, 2018
Book Page	4735/500

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	118 SUMMER REST TRL, HUBERT, NC 28539-3986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053250859
Date	Dec 1, 2020
Book Page	5325/859

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 118 Summer Rest Trl was $3,338.

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	$3,338.00	$654,210 Land $166,600 Building $487,610	$654,210 Land $166,600 Building $487,610
2023	$3,338.00	$509,717 Land $150,100 Building $359,617	$509,717 Land $150,100 Building $359,617

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

Flood

FEMA maps place 118 Summer Rest Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 86 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	86 in force
Nearby Flood Claims	11 (1998–2018)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 6 claims Hurricane Ophelia, Sep 2005 · 2 claims Hurricane Bonnie, Aug 1998 · 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 118 Summer Rest Trl is moderate, ranking above 46% 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 46% of the US · above 67% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Brightspeed, Verizon.

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