Onslow County property record for 186 Fire Tower Rd, Richlands, NC 28574
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,742 sqft · built 2006 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Oct 2026) |
| Tax Bill | $1,400 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35A-1 |
| Primary APN | 35A-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,742 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 483427000 |
|---|---|
| Street Address | 186 FIRE TOWER RD |
| City | RICHLANDS |
| State | NC |
| Zip | 28574-8156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | L1 TOP KICKS INC WAS MAPN 35 32 |
| Legal Subdivision | TOP KICKS INC |
| Legal Lot Number | 1 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 204 |
186 Fire Tower Rd is owned and occupied by two individuals who bought it in October 2026.
Source: Onslow County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| 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.
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jun 8, 2021 | Deed of Trust, Mortgage · VA Mortgage ANGEL OAK HOME LOANS LLC |
| Mar 14, 2022 | Warranty Deed, Transfer · FHA Mortgage ALPHA MORTGAGE CORP |
| Oct 11, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Apr 8, 2019 | Trustee's Deed, Foreclosure · Commercial Mortgage LENDINGHOME FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Prior Sale | Mar 14, 2022 · Amount on File |
| Deed Document Number | 2026 |
| Deed Book / Page | 6681 / 594 |
| Prior Transfer Date | Apr 5, 2019 |
| Prior Transfer Doc | 0049230286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Oct 1, 2026 |
| Property Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Document Number | 6681000594 |
| Book / Page | 6681 / 594 |
| Instrument Date | Sep 16, 2026 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $60,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Document Number | 6681000597, |
|---|---|
| Date | Oct 1, 2026 |
| Book Page | 6681/597 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | PRIORITY TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0054840132 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 5484/132 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Mar 14, 2022 |
| Property Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Document Number | 0057050763 |
| Book / Page | 5705 / 763 |
| Map Reference | MB 49 PG 61 |
| Instrument Date | Feb 25, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Document Number | 0005705766 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 5705/766 |
| Name | ALPHA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Oct 11, 2019 |
| Property Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Document Number | 0050360888 |
| Book / Page | 005036 / 000888 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 186 FIRE TOWER RD RICHLANDS NC 285748156, RICHLANDS, NC 28574-8156 |
| Document Number | 50360891 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 005036/000891 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 10, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Apr 8, 2019 |
| Property Address | 186 FIRE TOWER RD, RICHLANDS, NC 28574-8156 |
| Document Number | 0049230286 |
| Book / Page | 4923 / 286 |
| Map Reference | MB 49 PG 61 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $253.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 240 NEWPORT DR, JACKSONVILLE, NC 28540-4005 |
| Document Number | 0004923290 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 4923/290 |
| Name | LENDINGHOME FUNDING CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 186 Fire Tower Rd was $1,400.
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,400.00 | $265,149 (+23.98%) Land $52,820 Building $212,329 | $265,149 (+23.98%) Land $52,820 Building $212,329 |
| 2025 | $1,400.00 | $213,866 Land $31,540 Building $182,326 | $213,866 Land $31,540 Building $182,326 |
| 2023 | $1,400.00 | $213,866 (-) Land $31,540 Building $182,326 | $213,866 (-) Land $31,540 Building $182,326 |
| 2022 | $1,400.00 | $213,866 Land $31,540 Building $182,326 | $213,866 Land $31,540 Building $182,326 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Fire Tower Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 186 Fire Tower Rd is moderate, ranking above 46% of the US, with a 0.08% 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 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 |
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