400 Cardinal Rd, Jacksonville, NC 28546 Property Records

Onslow County property record for 400 Cardinal Rd, Jacksonville, NC 28546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1981
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (May 2020)
Tax Bill	$1,365 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jan 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`439-109`

Property Details

APN / Parcel Number

Primary APN	`439-109`
Alternative APNs	`490007592` `460794000` `032893`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	490007592
Street Address	400 CARDINAL RD
City	JACKSONVILLE
State	NC
Zip	28546-4703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-7
Legal Description	L135 S1C WILLOW WOODS
Legal Subdivision	WILLOW WOODS SEC 1-C
Legal Lot Number	135
Jurisdiction	ONSLOW NC
Township / Civil Division	JACKSONVILLE
Census Block Group	1
Census Block	1018
Census Tract	1301

Owner

400 Cardinal Rd is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703
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
Dec 3, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2024	Intrafamily Transfer, Transfer
May 26, 2020	Warranty Deed, Transfer · FHA Mortgage ALPHA MORTGAGE CORP
Sep 17, 2019	Warranty Deed, Transfer · Construction Mortgage MARKETPLACE PROP SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Book / Page	5171 / 588
Last Transfer Date	Jan 12, 2024
Transfer Doc	0060870334
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703

Mortgage

Document Number	0064860806
Date	Dec 3, 2025
Book Page	6486/806

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ONSLOW NC
Recording Date	Jan 18, 2024
Property Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703
Document Number	0060870334
Book / Page	6087 / 334
Map Reference	MB 21 PG 62
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 26, 2020
Property Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703
Document Number	0051710588
Book / Page	5171 / 588
Map Reference	MB 21 PG 62
Instrument Date	May 6, 2020
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	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3614 LYNN RD, 3614, RALEIGH, NC 27613-3833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703

Mortgage

Document Number	0005171591
Date	May 26, 2020
Instrument	5171/591

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 17, 2019
Property Address	400 CARDINAL RD, JACKSONVILLE, NC 28546-4703
Document Number	0050210506
Book / Page	005021 / 000506
Instrument Date	Sep 11, 2019
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$40.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3614 LYNN RD RALEIGH NC 276133833, RALEIGH, NC 27613-3833
Investor	Possibly a Property Investor

Mortgage

Document Number	50210509
Date	Sep 17, 2019
Book Page	005021/000509

Lender

Name	MARKETPLACE PROP SVCS LLC
Address	5309 WOODSDALE RD, RALEIGH, NC 27606-3341

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 16, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 400 Cardinal Rd was $1,365, up 2.4% 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	Jacksonville City
Unified School District	Onslow County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,365.00 (+2.4%)	$219,328 (+44.99%) Land $60,000 Building $159,328	$219,328 (+44.99%) Land $60,000 Building $159,328
2025	$1,333.00	$151,273 Land $30,000 Building $121,273	$151,273 Land $30,000 Building $121,273
2023	$1,898.00	$151,273 Land $30,000 Building $121,273	$151,273 Land $30,000 Building $121,273

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

Flood

FEMA maps place 400 Cardinal Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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 400 Cardinal Rd is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF JACKSONVILLE serves 49,093 people · EPA ID NC0467010
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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