Onslow County property record for 186 Oyster Ln, Hubert, NC 28539
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,129 sqft · built 1996 |
| Lot Size | 2.3 acres (100,188 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $301,500 (Jul 2018) |
| Tax Bill | $5,159 (2026) |
| Deeds & Mortgages | Jul 2018 Sale Jul 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 1315-42.1 |
| Primary APN | 1315-42.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,129 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 100,188 sqft (2.3 acres) |
| View / Lot | Waterfront / Beach |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 442505000 |
|---|---|
| Street Address | 186 OYSTER LN |
| City | HUBERT |
| State | NC |
| Zip | 28539-3759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | 2.30AC TR JM & GE TAYLOR JR |
| Legal Subdivision | JOHNNIE M. TAYLOR JR + GAIL E. |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | SWANSBORO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 2801 |
186 Oyster Ln is owned and occupied by two individuals who bought it in July 2018.
Source: Onslow County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 OYSTER LN, HUBERT, NC 28539-3759 |
| 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 |
|---|---|
| Jul 30, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jul 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2018 · Amount on File |
| Deed Sale | Jul 30, 2018 · Amount on File |
| Prior Sale | Jan 25, 1995 · Amount on File |
| Deed Book / Page | 4818 / 819 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jul 30, 2018 |
| Property Address | 186 OYSTER LN, HUBERT, NC 28539-3759 |
| Document Number | 0048180816 |
| Book / Page | 004818 / 000816 |
| Instrument Date | May 9, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 OYSTER LN HUBERT NC 285393759, HUBERT, NC 28539-3759 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jul 30, 2018 |
| Property Address | 186 OYSTER LN, HUBERT, NC 28539-3759 |
| Document Number | 0048180819 |
| Book / Page | 4818 / 819 |
| Map Reference | MB32 PG11 SL H-199 |
| Instrument Date | May 8, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $603.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38415 N HATELL RD, 38415, DEER PARK, WA 99006 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 186 OYSTER LN, HUBERT, NC 28539-3759 |
| Document Number | 0004818822 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 4818/822 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 186 Oyster Ln was $5,159.
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 | $5,159.00 | $561,761 Land $176,890 Building $384,871 | $561,761 Land $176,890 Building $384,871 |
| 2023 | $2,478.00 | $378,331 Land $106,890 Building $271,441 | $378,331 Land $106,890 Building $271,441 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Oyster Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 Oyster Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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