Onslow County property record for 3944 River Rd, North Topsail Beach, NC 28460
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 3.5 ba · 2,391 sqft · built 1986 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $615,000 (Apr 2022) |
| Tax Bill | $4,786 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 778D-12 |
| Primary APN | 778D-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,391 sqft Total Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 250 ft deep x 30 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 484689000 |
|---|---|
| Street Address | 3944 RIVER RD |
| City | N TOPSAIL BEACH |
| State | NC |
| Zip | 28460-9558 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R-10 |
| Legal Description | L12B NORTH TOPSAIL SHORES EXT GARAGE NOT SKETCHED |
| Legal Subdivision | NORTH TOPSAIL SHORES EXT (R) |
| Legal Lot Number | 12B |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 | 203 WILLINGHAM RD, MORRISVILLE, NC 27560-9631 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST FCU |
| Dec 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage AFFILIATED MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2022 · Amount on Record |
| Deed Sale | Apr 22, 2022 · Amount on Record |
| Prior Sale | Dec 14, 2020 · Amount on Record |
| Deed Book / Page | 5735 / 586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Apr 22, 2022 |
| Property Address | 3944 RIVER RD, N TOPSAIL BEACH, NC 28460-9558 |
| Document Number | 0057350586 |
| Book / Page | 5735 / 586 |
| Instrument Date | Apr 12, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 738 LEXINGTON DR, 738, GREENVILLE, NC 27834-0507 |
| Name | Verified Name |
|---|---|
| Address | 203 WILLINGHAM RD, MORRISVILLE, NC 27560-9631 |
| Document Number | 0005735590 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 5735-590 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Dec 14, 2020 |
| Property Address | 3944 RIVER RD, N TOPSAIL BEACH, NC 28460-9558 |
| Document Number | 0053360835 |
| Book / Page | 5336 / 835 |
| Instrument Date | Dec 8, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 3944 RIVER RD, N TOPSAIL BEACH, NC 28460-9558 |
| Document Number | 0005336840 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 5336/840 |
| Name | AFFILIATED MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Municipality | North Topsail Beach Town |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,786.00 | $683,375 (+54.89%) Land $135,000 Building $548,375 | $683,375 (+54.89%) Land $135,000 Building $548,375 |
| 2023 | $4,786.00 | $441,190 Land $135,000 Building $306,190 | $441,190 Land $135,000 Building $306,190 |
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 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 97% of the US · lower than 98.5% 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 154 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 / 35 |
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