203 Reef Ln, Richlands, NC 28574 Property Records

Onslow County property record for 203 Reef Ln, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,478 sqft · built 2004
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,172 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46C-57`

Property Details

APN / Parcel Number

Primary APN	`46C-57`
Alternative APNs	`496884000` `483764000` `064413`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,478 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	496884000
Street Address	203 REEF LN
City	RICHLANDS
State	NC
Zip	28574-8350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L34 S2A CORAL RIDGE
Legal Subdivision	CORAL RIDGE SEC 2A
Legal Lot Number	34
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	2
Census Block	2000
Census Tract	204

Owner

203 Reef Ln is owned and occupied by two individuals who acquired it in September 2023.

Source: Onslow County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	203 REEF LN, RICHLANDS, NC 28574-8350
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH CAROLINA HOUSING FINANCE AGEN
Jun 16, 2020	Deed of Trust, Mortgage · VA Mortgage PLAZA HOME MORTGAGE INC
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage NFM INC
Jun 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 24, 2018	Warranty Deed, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023
Deed Sale	Sep 1, 2023
Prior Sale	Mar 24, 2022 · Amount on File
Deed Book / Page	6028 / 99
Prior Transfer Date	Jun 1, 2020
Prior Transfer Doc	0051800619
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 1, 2023
Property Address	203 REEF LN, RICHLANDS, NC 28574-8350
Document Number	0060280099
Book / Page	6028 / 99
Map Reference	MB46 PG59 SL L-204
Instrument Date	Aug 8, 2023
Transaction Type	Transfer
Record Updated	Sep 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 REEF LN, RICHLANDS, NC 28574-8350

Mortgage

Document Number	0006028121
Date	Sep 1, 2023
Instrument	6028-121

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGEN
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0060280103
Date	Sep 1, 2023
Book Page	6028/103

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company
Address	WILMINGTON, NC 28403

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	203 REEF LN, RICHLANDS, NC 28574-8350
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051880170
Date	Jun 16, 2020
Book Page	5188/170

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Mar 24, 2022
Property Address	203 REEF LN, RICHLANDS, NC 28574-8350
Document Number	0057130536
Book / Page	5713 / 536
Map Reference	MB 46 PG 59
Instrument Date	Feb 11, 2022
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 REEF LN, RICHLANDS, NC 28574-8350

Mortgage

Document Number	0005713540
Date	Mar 24, 2022
Instrument	5713/540

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 5, 2020
Property Address	203 REEF LN, RICHLANDS, NC 28574-8350
Document Number	0051800619
Book / Page	005180 / 000619
Instrument Date	Jun 1, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 REEF LN RICHLANDS NC 285748350, RICHLANDS, NC 28574-8350

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 24, 2018
Property Address	203 REEF LN, RICHLANDS, NC 28574-8350
Document Number	0047840711
Book / Page	4784 / 711
Map Reference	MB46 PG59 SL L-204
Instrument Date	May 21, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 FARMINGTON DR, 144, RICHLANDS, NC 28574-7453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 REEF LN, RICHLANDS, NC 28574-8350

Mortgage

Document Number	0004784718
Date	May 24, 2018
Instrument	4784/718

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 203 Reef Ln was $1,172.

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	$1,172.00	$251,511 (+40.45%) Land $58,500 Building $193,011	$251,511 (+40.45%) Land $58,500 Building $193,011
2025	$1,172.00	$179,071 Land $30,000 Building $149,071	$179,071 Land $30,000 Building $149,071
2023	$1,172.00	$179,071 Land $30,000 Building $149,071	$179,071 Land $30,000 Building $149,071

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 203 Reef Ln in Zone X, an area of minimal flood risk.

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	5 in force

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

Wildfire risk around 203 Reef Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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 136 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reef Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures