128 Prelude Dr, Richlands, NC 28574 Property Records

Onslow County property record for 128 Prelude Dr, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 2015
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Dec 2021)
Tax Bill	$1,450 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53B-118`

Property Details

APN / Parcel Number

Primary APN	`53B-118`
Alternative APNs	`480601000` `158914`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	480601000
Street Address	128 PRELUDE DR
City	RICHLANDS
State	NC
Zip	28574-8476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L94 S3 CANONS EDGE
Legal Subdivision	CANONS EDGE S3
Legal Lot Number	94
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	1
Census Block	1016
Census Tract	203

Owner

128 Prelude Dr is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	128 PRELUDE DR, RICHLANDS, NC 28574-8476
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
Dec 2, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Sep 4, 2020	Warranty Deed, Transfer · VA Mortgage ALPHA MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Sep 4, 2020 · Amount on File
Deed Book / Page	5634 / 236
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Dec 2, 2021
Property Address	128 PRELUDE DR, RICHLANDS, NC 28574-8476
Document Number	0056340236
Book / Page	5634 / 236
Map Reference	MB 68 PG 2
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PRELUDE DR, RICHLANDS, NC 28574-8476

Mortgage

Document Number	0005634239
Date	Dec 2, 2021
Instrument	5634/239

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 4, 2020
Property Address	128 PRELUDE DR, RICHLANDS, NC 28574-8476
Document Number	0052580493
Book / Page	5258 / 493
Map Reference	MB 68 PG 2
Instrument Date	Aug 26, 2020
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PRCLUDE DRIVE, RICHLANDS, NC 28574-8476

Mortgage

Document Number	0005258498
Date	Sep 4, 2020
Instrument	5258/498

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 128 Prelude Dr was $1,450.

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	$1,450.00	$286,143 Land $57,500 Building $228,643	$286,143 Land $57,500 Building $228,643
2023	$1,450.00	$221,440 Land $35,000 Building $186,440	$221,440 Land $35,000 Building $186,440

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

Flood

FEMA maps place 128 Prelude Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 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

Wildfire risk around 128 Prelude Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Brightspeed Fiber	940 / 940

Cell Coverage

5G (outdoors only) and 4G LTE

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