Onslow County property record for 305 Joan's Rdg, Stella, NC 28582
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,715 sqft · built 2012 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $408,000 (Apr 2021) |
| Tax Bill | $2,066 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1312C-36 |
| Primary APN | 1312C-36 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,715 sqft Living Area |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 26,572 sqft (0.61 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 472156000 |
|---|---|
| Street Address | 305 JOANS RDG |
| City | STELLA |
| State | NC |
| Zip | 28582-8003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L30 P1 FOREST RIDGE |
| Legal Subdivision | FOREST RIDGE PH 1 |
| Legal Lot Number | 30 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | SWANSBORO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 105 |
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 | 305 JOANS RDG, STELLA, NC 28582-8003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2021 | Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on Record |
| Deed Sale | Apr 30, 2021 · Amount on Record |
| Prior Sale | Aug 31, 2012 · Amount on Record |
| Deed Book / Page | 5450 / 67 |
| Prior Transfer Date | Jul 1, 2011 |
| Prior Transfer Doc | 0036260682 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 305 JOANS RDG, STELLA, NC 28582-8003 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051410467 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 5141/467 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | Nov 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Apr 30, 2021 |
| Property Address | 305 JOANS RDG, STELLA, NC 28582-8003 |
| Document Number | 0054500067 |
| Book / Page | 5450 / 67 |
| Map Reference | MB 54 PG 119-119C |
| Instrument Date | Apr 13, 2021 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $816.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1900 ABBERLEY CIRCLE #11541154, 11541154, MOORESBORO, NC 28114 |
| Name | Verified Name |
|---|---|
| Address | 305 JOANS RDG, STELLA, NC 28582-8003 |
| Document Number | 0000545071 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 5450/71 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,066.00 | $558,395 (+76.99%) Land $110,000 Building $448,395 | $558,395 (+76.99%) Land $110,000 Building $448,395 |
| 2023 | $2,066.00 | $315,490 Land $45,000 Building $270,490 | $315,490 Land $45,000 Building $270,490 |
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 August 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 86 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 86 in force |
| Nearby Flood Claims | 14 (2018–2022) |
| Claims Outside the SFHA | 6 of 14 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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