3049 3rd St, Surf City (Holly Ridge), NC 28445 Property Records

Onslow County property record for 3049 3rd St, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jan 2022)
Tax Bill	$3,915 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2020 Transfer + 1 more
Flood Zone	Zone VE (high risk)
APN	`800-15`

Property Details

APN / Parcel Number

Primary APN	`800-15`
Alternative APNs	`481973000` `020531`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
View / Lot	Waterfront - Canal

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	481973000
Street Address	3049 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	L18 S3 B44 OLD SETTLERS BEACH
Legal Subdivision	OLD SETTLERS BEACH SEC 3
Legal Block	44
Legal Lot Number	18
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	1
Census Block	1062
Census Tract	403

Owner

3049 3rd St is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3049 3RD ST, SURF CITY, NC 28445-8628
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
Jan 13, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
May 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on File
Deed Sale	Jan 13, 2022 · Amount on File
Prior Sale	Jun 7, 1982 · Amount on File
Deed Book / Page	5663 / 451
Prior Transfer Date	May 21, 2020
Prior Transfer Doc	0051720878
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jan 13, 2022
Property Address	3049 3RD ST, SURF CITY, NC 28445-8628
Document Number	0056630451
Book / Page	5663 / 451
Map Reference	MB 11 PG 31
Instrument Date	Jan 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	$1,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4083, SURF CITY, NC 28445-0050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 ROSE BUD LN, HOLLY RIDGE, NC 28445-7951

Mortgage

Document Number	0005663456
Date	Jan 13, 2022
Instrument	5663/456

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONSLOW NC
Recording Date	May 27, 2020
Property Address	3049 3RD ST, SURF CITY, NC 28445-8628
Document Number	0051720878
Book / Page	005172 / 000878
Instrument Date	May 21, 2020
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	PO BOX 2294 SURF CITY NC 284450019, SURF CITY, NC 28445-0019

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONSLOW NC
Recording Date	Aug 27, 2018
Property Address	3049 3RD ST, SURF CITY, NC 28445-8628
Document Number	0048330014
Book / Page	004833 / 000014
Instrument Date	Aug 13, 2018
Transaction Type	Transfer
Record Updated	Oct 9, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 2294 SURF CITY NC 284450019, SURF CITY, NC 28445-0019

Tax Assessment & Valuation

The 2026 property tax bill for 3049 3rd St was $3,915, up 1.5% 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	Surf City Town
Unified School District	Onslow County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,915.00 (+1.5%)	$886,357 (+48.28%) Land $500,000 Building $386,357	$886,357 (+48.28%) Land $500,000 Building $386,357
2025	$3,857.00	$597,763 Land $315,000 Building $282,763	$597,763 Land $315,000 Building $282,763
2023	$3,857.00	$588,935 Land $315,000 Building $273,935	$588,935 Land $315,000 Building $273,935

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

Flood

FEMA maps place 3049 3rd St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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 File 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	Hurricane Florence, Sep 2018 · 420 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 545 claims Hurricane Fran, Oct 1996 · 671 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 3049 3rd St is low, with less than a 0.01% annual chance of wildfire.

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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