281 Ford St, Jacksonville, NC 28540 Property Records

Onslow County property record for 281 Ford St, Jacksonville, NC 28540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,646 sqft · built 2020
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Aug 2026)
Tax Bill	$2,652 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2024 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`411-60.4`

Property Details

APN / Parcel Number

Primary APN	`411-60.4`
Alternative APNs	`0490655000` `466330000` `455419000` `156838`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,646 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	455419000
Street Address	281 FORD ST
City	JACKSONVILLE
State	NC
Zip	28540-4627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DTR
Legal Description	L4 LOT 32 PROPERTY OF H M LOY
Legal Subdivision	LOT 32 PROPERTY OF HM LOY
Legal Lot Number	32
Jurisdiction	ONSLOW NC
Township / Civil Division	JACKSONVILLE
Census Block Group	2
Census Block	2015
Census Tract	1800

Owner

281 Ford St is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Aug 28, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Jan 26, 2024	Warranty Deed, Transfer
Mar 16, 2023	Warranty Deed, Transfer
Nov 3, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 21, 2020	Loan Modification, Mortgage PHYLLIS TROTT
Feb 10, 2020	Warranty Deed, Construction Loan OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Jan 26, 2024 · Amount on File
Deed Book / Page	6663 / 689
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Aug 28, 2026
Property Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Document Number	6663000689
Book / Page	6663 / 689
Instrument Date	Aug 10, 2026
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,580.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 FORD ST, JACKSONVILLE, NC 28540-4627

Mortgage

Document Number	6663000693,
Date	Aug 28, 2026
Book Page	6663/693

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jan 26, 2024
Property Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Document Number	0060910059
Book / Page	6091 / 59
Map Reference	MB 65 PG 33 CAB N
Instrument Date	Jan 17, 2024
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount on Record
Tax	$65.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	277 FORD ST, JACKSONVILLE, NC 28540-4627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 JASMINE LN, JACKSONVILLE, NC 28546-4583

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Mar 16, 2023
Property Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Document Number	0059300235
Book / Page	5930 / 235
Map Reference	MB 65 PG 33
Instrument Date	Mar 9, 2023
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 SE 16TH AVE, FORT LAUDERDALE, FL 33301-2352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 FORD ST, JACKSONVILLE, NC 28540-4627

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Nov 3, 2020
Property Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Document Number	0053030407
Book / Page	005303 / 000407
Instrument Date	Nov 2, 2020
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$372.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 SE 16TH AVE FORT LAUDERDALE FL 333012352, FORT LAUDERDALE, FL 33301-2352

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ONSLOW NC
Property Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Document Number	0051100689
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	281 FORD ST JACKSONVILLE NC 28540, JACKSONVILLE, NC 28540

Mortgage

Document Number	0051100689
Date	Feb 24, 2020
Book Page	005110/000689

Lender

Name	PHYLLIS TROTT

Agreement

Amount	Amount on Record

February 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Feb 10, 2020
Property Address	281 FORD ST, JACKSONVILLE, NC 28540-4627
Document Number	0051040205
Book / Page	005104 / 000205
Instrument Date	Feb 10, 2020
Transaction Type	Construction Loan
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1761 JACKSONVILLE NC 285411761, JACKSONVILLE, NC 28541-1761

Mortgage

Document Number	51040209
Date	Feb 10, 2020
Book Page	005104/000209

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	SMITHFIELD, NC 27577-1457

Agreement

Amount	Amount on Record

Mortgage

Document Number	51040217,
Date	Feb 10, 2020
Book Page	005104/000217

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	SMITHFIELD, NC 27577-1457

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 281 Ford St was $2,652, up 1,005% from the year before.

Source: Onslow County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Onslow County
Municipality	Jacksonville City
Unified School District	Onslow County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,652.00 (+1,005%)	$307,822 (+1,505.75%) Land $25,500 Building $282,322	$307,822 (+1,505.75%) Land $25,500 Building $282,322
2025	$240.00	$19,170 Land $15,000 Building $4,170	$19,170 Land $15,000 Building $4,170
2023	$240.00	$19,170 Land $15,000 Building $4,170	$19,170 Land $15,000 Building $4,170

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 281 Ford St in Zone X, an area of minimal flood risk, though there have been 126 flood claims nearby since 1983.

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 38 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	126 (1983–2018)
Claims Outside the SFHA	66 of 126
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 44 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 23 claims Hurricane Fran, Sep 1996 · 20 claims

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 281 Ford St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.02% 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	CITY OF JACKSONVILLE serves 49,093 people · EPA ID NC0467010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) 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	1 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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