Onslow County property record for 325 Lightning Bug Ln, Holly Ridge, NC 28445
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,795 sqft · built 2019 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $599,000 (Dec 2021) |
| Tax Bill | $5,491 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 762C-37 |
| Primary APN | 762C-37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,795 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 155 ft deep x 59 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 481068000 |
|---|---|
| Street Address | 325 LIGHTNING BUG LN |
| City | HOLLY RIDGE |
| State | NC |
| Zip | 28445-4602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Description | L37R P1 SUMMERHOUSE |
| Legal Subdivision | TRADE INVESTMENTS LLC SUMMERHOUSE |
| Legal Lot Number | 37R |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 401 |
325 Lightning Bug Ln is owned and occupied by two individuals who bought it in December 2021.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 325 LIGHTNING BUG LN, HOLLY RIDGE, NC 28445-4602 |
| 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 |
|---|---|
| Dec 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage VAST BANK NA |
| Feb 14, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| May 24, 2019 | Warranty Deed, Subdivision Related Transfer · VA Mortgage ON Q FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2021 · Amount on File |
| Deed Sale | Dec 13, 2021 · Amount on File |
| Prior Sale | May 24, 2019 · Amount on File |
| Deed Book / Page | 5641 / 930 |
| Prior Transfer Date | Aug 18, 2011 |
| Prior Transfer Doc | 0036560753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Dec 13, 2021 |
| Property Address | 325 LIGHTNING BUG LN, HOLLY RIDGE, NC 28445-4602 |
| Document Number | 0056410930 |
| Book / Page | 5641 / 930 |
| Map Reference | MB 74 PG 149 |
| Instrument Date | Dec 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,198.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 325 LIGHTNING BUG LN, HOLLY RIDGE, NC 28445-4602 |
| Investor | Possibly a Property Investor |
| Document Number | 0005641933 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 5641/933 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 325 LIGHTNING BUG LN, HOLLY RIDGE, NC 28445-4602 |
| Document Number | 0051090069 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 325 LIGHTNING BUG LN HOLLY RIDGE NC 284454602, HOLLY RIDGE, NC 28445-4602 |
| Document Number | 0051090069 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 005109/000069 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 18, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | May 24, 2019 |
| Property Address | 325 LIGHTNING BUG LN, HOLLY RIDGE, NC 28445-4602 |
| Document Number | 0049520355 |
| Book / Page | 4952 / 355 |
| Map Reference | MB 79 PG 149 CAB O |
| Instrument Date | May 20, 2019 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $842.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60 GREGORY RD NE STE 1, 60, BELVILLE, NC 28451-9276 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 325 LIGHTNING BUG LN, HOLLY RIDGE, NC 28445-4602 |
| Document Number | 0004952359 |
|---|---|
| Date | May 24, 2019 |
| Instrument | 4952/359 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2026 property tax bill for 325 Lightning Bug Ln was $5,491.
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Municipality | Holly Ridge Town |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,491.00 | $705,984 Land $140,000 Building $565,984 | $705,984 Land $140,000 Building $565,984 |
| 2023 | $5,330.00 | $535,763 Land $90,000 Building $445,763 | $535,763 Land $90,000 Building $445,763 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 325 Lightning Bug Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.
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 155 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 155 in force |
| Nearby Flood Claims | 3 (2018) |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| 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 325 Lightning Bug Ln is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 90% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.2% 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 95 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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