16 Bluff St, Jacksonville, NC 28540 Property Records

Onslow County property record for 16 Bluff St, Jacksonville, NC 28540

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,663 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (Jul 2019)
Tax Bill	$4,367 (2026)
Deeds & Mortgages	Jan 2020 Construction Loan Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`410-99`

Property Details

APN / Parcel Number

Primary APN	`410-99`
Alternative APNs	`451510000` `010714`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,663 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	451510000
Street Address	16 BLUFF ST
City	JACKSONVILLE
State	NC
Zip	28540-4206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DTR
Legal Description	L5 & L14 HUMPHREY
Legal Lot Number	5,14
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	Individual Name on Record
Mailing Address	16 BLUFF ST, JACKSONVILLE, NC 28540-4206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRSTBANK
Sep 24, 2020	Loan Modification, Mortgage FIRST BK
Jul 8, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2019 · Amount on Record
Deed Sale	Jul 8, 2019 · Amount on Record
Prior Sale	Sep 24, 2004
Deed Book / Page	4978 / 844
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	16 BLUFF ST, JACKSONVILLE, NC 28540-4206
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050920098
Date	Jan 21, 2020
Book Page	5092/098

Lender

Name	FIRSTBANK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	193 Months
Due	Feb 1, 2036

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ONSLOW NC
Property Address	16 BLUFF ST, JACKSONVILLE, NC 28540-4206
Document Number	0052770091
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BLUFF ST JACKSONVILLE NC 285404206, JACKSONVILLE, NC 28540-4206

Mortgage

Document Number	0052770091
Date	Sep 30, 2020
Book Page	005277/000091

Lender

Name	FIRST BK
Type	Bank
Address	GREENSBORO, NC 27401

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 29, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jul 8, 2019
Property Address	16 BLUFF ST, JACKSONVILLE, NC 28540-4206
Document Number	0049780844
Book / Page	004978 / 000844
Instrument Date	Jul 3, 2019
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 LIMBAUGH LN SWANSBORO NC 285848493, SWANSBORO, NC 28584-8493

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	$4,367.00 (-9.59%)	$532,256 (+38.29%) Land $25,500 Building $506,756	$532,256 (+38.29%) Land $25,500 Building $506,756
2023	$4,830.00	$384,871 Land $35,000 Building $349,871	$384,871 Land $35,000 Building $349,871

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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