Onslow County property record for 3045 3rd St, Surf City, NC 28445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,981 sqft · built 1994 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Sep 2023) |
| Tax Bill | $5,315 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 800-13 |
| Primary APN | 800-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,981 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| View / Lot | Waterfront - Canal |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 104390000 |
|---|---|
| Street Address | 3045 3RD ST |
| City | SURF CITY |
| State | NC |
| Zip | 28445-8628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MHS |
| Legal Description | L16 S3 B44 OLD SETTLERS BEACH 0.18A TR |
| Legal Subdivision | LYNWARD E AND PHYLIS JOHNSON |
| Legal Block | 44 |
| Legal Lot Number | 16 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 403 |
Source: Onslow County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3045 3RD ST, SURF CITY, NC 28445-8628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on Record |
| Deed Sale | Sep 29, 2023 · Amount on Record |
| Prior Sale | Aug 2, 1993 · Amount on Record |
| Deed Book / Page | 6042 / 144 |
| Prior Transfer Date | Oct 24, 2016 |
| Prior Transfer Doc | 0045330696 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Sep 29, 2023 |
| Property Address | 3045 3RD ST, SURF CITY, NC 28445-8628 |
| Document Number | 0060420144 |
| Book / Page | 6042 / 144 |
| Map Reference | MB 462 PG 705 |
| Instrument Date | Sep 29, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3045 3RD ST, SURF CITY, NC 28445-8628 |
| Name | Verified Name |
|---|---|
| Address | 3045 3RD ST, SURF CITY, NC 28445-8628 |
| Document Number | 0006042149 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 6042-149 |
| Name | LYNWARD E JOHNSON ETUX |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Sep 29, 2025 |
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Municipality | Surf City Town |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,315.00 | $1,166,694 (+43.78%) Land $500,000 Building $666,694 | $1,166,694 (+43.78%) Land $500,000 Building $666,694 |
| 2025 | $5,315.00 (-0.23%) | $811,458 (-0.23%) Land $315,000 Building $496,458 | $811,458 (-0.23%) Land $315,000 Building $496,458 |
| 2023 | $5,327.00 | $813,308 Land $315,000 Building $498,308 | $813,308 Land $315,000 Building $498,308 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 1,239 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,682 units insured incl. 443 condo units |
| Nearby Flood Claims | 2,537 (1983–2025) |
| Claims Outside the SFHA | 21 of 2,537 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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