208 Reef Ln, Richlands, NC 28574 Property Records

Onslow County property record for 208 Reef Ln, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 2004
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$174,500 (Feb 2020)
Tax Bill	$1,260 (2026)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46C-52`

Property Details

APN / Parcel Number

Primary APN	`46C-52`
Alternative APNs	`458264000` `064408`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,682 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	27,878 sqft (0.64 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	458264000
Street Address	208 REEF LN
City	RICHLANDS
State	NC
Zip	28574-8352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L28 S2 CORAL RIDGE
Legal Subdivision	CORAL RIDGE SEC 2A
Legal Lot Number	28
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	2
Census Block	2000
Census Tract	204

Owner

208 Reef Ln is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	208 REEF LN, RICHLANDS, NC 28574-8352
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Deed Book / Page	5115 / 197
Prior Transfer Date	Jun 10, 2008
Prior Transfer Doc	0030950863
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Feb 28, 2020
Property Address	208 REEF LN, RICHLANDS, NC 28574-8352
Document Number	0051150197
Book / Page	5115 / 197
Map Reference	MB 46 PG 59 SL L-204
Instrument Date	Feb 19, 2020
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2880 CATHERINE LAKE RD, 2880, RICHLANDS, NC 28574-5150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 REEF LN, RICHLANDS, NC 28574-8352

Mortgage

Document Number	0005115200
Date	Feb 28, 2020
Instrument	5115/200

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 208 Reef Ln was $1,260.

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	$1,260.00	$269,028 (+39.78%) Land $58,500 Building $210,528	$269,028 (+39.78%) Land $58,500 Building $210,528
2025	$1,260.00	$192,469 Land $30,000 Building $162,469	$192,469 Land $30,000 Building $162,469
2023	$1,260.00	$192,469 Land $30,000 Building $162,469	$192,469 Land $30,000 Building $162,469

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

Flood

FEMA maps place 208 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 208 Reef Ln is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.05% 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reef Ln

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