210 Reef Ln, Richlands, NC 28574 Property Records

Onslow County property record for 210 Reef Ln, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,877 sqft · built 2004
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Dec 2021)
Tax Bill	$1,401 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46C-51`

Property Details

APN / Parcel Number

Primary APN	`46C-51`
Alternative APNs	`481218000` `064407`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,877 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	21,344 sqft (0.49 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	481218000
Street Address	210 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	L27 S2A CORAL RIDGE
Legal Subdivision	CORAL RIDGE SEC 2A
Legal Lot Number	27
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	2
Census Block	2000
Census Tract	204

Owner

210 Reef Ln is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	210 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

Date	Document
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 14, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Dec 17, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on File
Deed Sale	Dec 17, 2021 · Amount on File
Prior Sale	Mar 2, 2005 · Amount on File
Deed Book / Page	5646 / 738
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	210 REEF LN, RICHLANDS, NC 28574-8352
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049180188
Date	Mar 28, 2019
Book Page	4918/188

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 18, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	210 REEF LN, RICHLANDS, NC 28574-8352
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053360234
Date	Dec 14, 2020
Book Page	5336/234

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	83 Months
Due	Nov 1, 2027

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Dec 17, 2021
Property Address	210 REEF LN, RICHLANDS, NC 28574-8352
Document Number	0056460738
Book / Page	5646 / 738
Map Reference	MB 46 PG 59 SL L-204
Instrument Date	Nov 24, 2021
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 REEF LN, RICHLANDS, NC 28574-8352

Mortgage

Document Number	0005646745
Date	Dec 17, 2021
Instrument	5646/745

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 210 Reef Ln was $1,401.

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	$1,401.00	$296,554 Land $58,500 Building $238,054	$296,554 Land $58,500 Building $238,054
2023	$1,401.00	$213,993 Land $30,000 Building $183,993	$213,993 Land $30,000 Building $183,993

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

Flood

FEMA maps place 210 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 210 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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