14 Bluff St, Jacksonville, NC 28540 Property Records

Onslow County property record for 14 Bluff St, Jacksonville, NC 28540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,626 sqft · built 2008
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Nov 2020)
Tax Bill	$3,075 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`410-98`

Property Details

APN / Parcel Number

Primary APN	`410-98`
Alternative APNs	`467295000` `017244`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	467295000
Street Address	14 BLUFF ST
City	JACKSONVILLE
State	NC
Zip	28540-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DTR
Legal Description	L13 HUMPHREY
Legal Subdivision	L6 + L13 HUMPHREY PROPERTY
Legal Lot Number	13
Jurisdiction	ONSLOW NC
Township / Civil Division	JACKSONVILLE
Census Block Group	2
Census Block	2008
Census Tract	1800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mill Avenue Historic District listed 1990 · 33 contributing resources · NRIS 90000439

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	14 BLUFF ST, JACKSONVILLE, NC 28540-4206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 26, 2017	Warranty Deed, Transfer · Conventional with PMI ALPHA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Jul 1, 2008 · Amount on Record
Deed Book / Page	5318 / 496
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	14 BLUFF ST, JACKSONVILLE, NC 28540-4206
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 BLUFF ST, JACKSONVILLE, NC 28540-4206

Mortgage

Document Number	0064980974
Date	Dec 22, 2025
Book Page	6498/974

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Nov 20, 2020
Property Address	14 BLUFF ST, JACKSONVILLE, NC 28540-4206
Document Number	0053180496
Book / Page	5318 / 496
Map Reference	MB 54 PG 235
Instrument Date	Oct 7, 2020
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 BLUFF ST, JACKSONVILLE, NC 28540-4206

Mortgage

Document Number	0005318499
Date	Nov 20, 2020
Instrument	5318/499

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 26, 2017
Property Address	14 BLUFF ST, JACKSONVILLE, NC 28540-4206
Document Number	0046210698
Book / Page	004621 / 000698
Instrument Date	May 23, 2017
Transaction Type	Transfer
Record Updated	Jun 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 BLUFF ST JACKSONVILLE NC 285404206, JACKSONVILLE, NC 28540-4206

Mortgage

Document Number	46210702
Date	May 26, 2017
Book Page	004621/000702

Lender

Name	ALPHA MTG
Type	Mortgage Company
Address	WILMINGTON, NC 28403

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,075.00 (+6.88%)	$350,974 (+46.67%) Land $58,500 Building $292,474	$350,974 (+46.67%) Land $58,500 Building $292,474
2025	$2,877.00	$239,302 (+4.36%) Land $40,000 Building $199,302	$239,302 (+4.36%) Land $40,000 Building $199,302
2023	$2,877.00	$229,302 Land $30,000 Building $199,302	$229,302 Land $30,000 Building $199,302

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	126 (1983–2018)
Claims Outside the SFHA	66 of 126
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 44 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 23 claims Hurricane Fran, Sep 1996 · 20 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	CITY OF JACKSONVILLE serves 49,093 people · EPA ID NC0467010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) 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	1 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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