185 Tobacco Rd, Hubert, NC 28539 Property Records

Onslow County property record for 185 Tobacco Rd, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,352 sqft · built 1992
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$473,000 (Jan 2022)
Tax Bill	$1,838 (2026)
Deeds & Mortgages	May 2018 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`1309-111.6`

Property Details

APN / Parcel Number

Primary APN	`1309-111.6`
Alternative APNs	`482164000` `045377`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,352 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	482164000
Street Address	185 TOBACCO RD
City	HUBERT
State	NC
Zip	28539-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	TR2 FRESHWATER
Legal Subdivision	FRESHWATER CARRIE + J R JR
Legal Tract	2
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	1
Census Block	1012
Census Tract	2801

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	185 TOBACCO RD, HUBERT, NC 28539-3403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 14, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 24, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Prior Sale	Sep 6, 2002
Deed Book / Page	5669 / 720
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	185 TOBACCO RD, HUBERT, NC 28539-3403
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047870889
Date	May 31, 2018
Book Page	4787/889

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2038

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	185 TOBACCO RD, HUBERT, NC 28539-3403
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051060426
Date	Feb 14, 2020
Book Page	5106/426

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	SWANSBORO, NC 28584

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jan 24, 2022
Property Address	185 TOBACCO RD, HUBERT, NC 28539-3403
Document Number	0056690720
Book / Page	5669 / 720
Instrument Date	Jan 14, 2022
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 TOBACCO RD, HUBERT, NC 28539-3403

Mortgage

Document Number	0005669724
Date	Jan 24, 2022
Instrument	5669/724

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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	$1,838.00	$423,716 (+50.98%) Land $85,150 Building $338,566	$423,716 (+50.98%) Land $85,150 Building $338,566
2025	$1,838.00 (+3.08%)	$280,643 (+3.06%) Land $50,090 Building $230,553	$280,643 (+3.06%) Land $50,090 Building $230,553
2023	$1,783.00	$272,323 Land $50,090 Building $222,233	$272,323 Land $50,090 Building $222,233

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 72% of the US · above 94% of North Carolina
Wildfire Likelihood	0.2% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

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