Onslow County property record for 194 Windfield Ln, Holly Ridge, NC 28445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,653 sqft · built 2008 |
| Lot Size | 0.462 acres (20,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,500 (Jan 2017) |
| Tax Bill | $1,670 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit May 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 748B-23 |
| Primary APN | 748B-23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,125 sqft (0.462 acres) |
| Lot Dimensions | 188 ft deep x 107 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 431192000 |
|---|---|
| Street Address | 194 WINDFIELD LN |
| City | HOLLY RIDGE |
| State | NC |
| Zip | 28445-7802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L49 P3S1 KINGS HARBOR |
| Legal Subdivision | KINGS HARBOR P3 S1 |
| Legal Lot Number | 49 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 401 |
194 Windfield Ln is owned by an individual who bought it in January 2017.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 107 GOLF TERRACE DR, HAMPSTEAD, NC 28443-2336 |
| 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 |
|---|---|
| Aug 24, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| May 25, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU |
| Jan 27, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2017 · Amount on File |
| Deed Sale | Jan 27, 2017 · Amount on File |
| Prior Sale | Mar 1, 2013 |
| Deed Book / Page | 4569 / 592 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 194 WINDFIELD LN, HOLLY RIDGE, NC 28445-7802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0055510049 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 5551/49 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | WILMINGTON, NC 28404 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 194 WINDFIELD LN, HOLLY RIDGE, NC 28445-7802 |
| Document Number | 0046330581 |
| Instrument Date | May 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 194 WINDFIELD LN HOLLY RIDGE NC 284457802, HOLLY RIDGE, NC 28445-7802 |
| Document Number | 0046330581 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 004633/000581 |
| Name | STATE EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | WILMINGTON, NC 28411 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jan 27, 2017 |
| Property Address | 194 WINDFIELD LN, HOLLY RIDGE, NC 28445-7802 |
| Document Number | 0045690592 |
| Book / Page | 4569 / 592 |
| Map Reference | MB54 PG177 |
| Instrument Date | Jan 13, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 204 SCOTCH BONNET WAY, HAMPSTEAD, NC 28443-2562 |
| Investor | Possibly a Property Investor |
| Document Number | 0004569595 |
|---|---|
| Date | Jan 27, 2017 |
| Instrument | 4569/595 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.25% |
The 2026 property tax bill for 194 Windfield Ln was $1,670.
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 | $1,670.00 | $326,714 Land $75,000 Building $251,714 | $326,714 Land $75,000 Building $251,714 |
| 2023 | $1,670.00 | $255,010 Land $48,000 Building $207,010 | $255,010 Land $48,000 Building $207,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 194 Windfield Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims 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 |
| Flood Insurance Cost | Premium on File median of 155 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 155 in force |
| Nearby Flood Claims | 3 (2018) |
| 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 194 Windfield Ln is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 90% 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.
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 57 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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