Onslow County property record for 318 W Howard Dr, Jacksonville, NC 28540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,913 sqft · built 2006 |
| Lot Size | 0.428 acres (18,644 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Nov 2022) |
| Tax Bill | $1,549 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 56C-34 |
| Primary APN | 56C-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,913 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,644 sqft (0.428 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 490480000 |
|---|---|
| Street Address | 318 W HOWARD DR |
| City | JACKSONVILLE |
| State | NC |
| Zip | 28540-8583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | L34 P1 RIVER BLUFF 2518/270 |
| Legal Subdivision | RIVER BLUFF |
| Legal Lot Number | 34 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 205 |
318 W Howard Dr is owned and occupied by an individual who bought it in November 2022.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 318 W HOWARD DR, JACKSONVILLE, NC 28540-8583 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION |
| Nov 9, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2022 · Amount on File |
| Deed Sale | Nov 9, 2022 · Amount on File |
| Prior Sale | Aug 2, 2006 · Amount on File |
| Deed Book / Page | 5869 / 444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jul 16, 2026 |
| Property Address | 318 W HOWARD DR, JACKSONVILLE, NC 28540-8583 |
| Document Number | 6635000872 |
| Book / Page | 6635 / 872 |
| Instrument Date | Jul 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 318 W HOWARD DR, JACKSONVILLE, NC 28540-8583 |
| Document Number | 6635000872, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 6635/872 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Nov 9, 2022 |
| Property Address | 318 W HOWARD DR, JACKSONVILLE, NC 28540-8583 |
| Document Number | 0058690444 |
| Book / Page | 5869 / 444 |
| Map Reference | MB 48 PG 193 |
| Instrument Date | Oct 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 CARRIAGE CIR, 19, MONT VERNON, NH 03057-1427 |
| Name | Verified Name |
|---|---|
| Address | 318 W HOWARD DR, JACKSONVILLE, NC 28540-8583 |
| Document Number | 0005869447 |
|---|---|
| Date | Nov 9, 2022 |
| Instrument | 5869-447 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.65% |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.65% |
| Index | 5-Year CMT |
| Max Rate | 10.6% |
The 2026 property tax bill for 318 W Howard Dr was $1,549.
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 | $1,549.00 | $310,378 Land $58,500 Building $251,878 | $310,378 Land $58,500 Building $251,878 |
| 2023 | $1,549.00 | $236,626 Land $35,000 Building $201,626 | $236,626 Land $35,000 Building $201,626 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 W Howard Dr in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 2016.
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 78 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 78 in force |
| Nearby Flood Claims | 20 (2016–2022) |
| Claims Outside the SFHA | 1 of 20 |
| Most Recent Claim | Mar 2022 · 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.
Wildfire risk around 318 W Howard Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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