401 Harness Rd, Jacksonville, NC 28546 Property Records

Onslow County property record for 401 Harness Rd, Jacksonville, NC 28546

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,701 sqft · built 1996
Lot Size	0.315 acres (13,726 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Jun 2026)
Tax Bill	$1,259 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1126B-94`

Property Details

APN / Parcel Number

Primary APN	`1126B-94`
Alternative APNs	`490011576` `464778000` `490032265` `055624`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,701 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,726 sqft (0.315 acres)
Lot Dimensions	146 ft deep x 94 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	490032265
Street Address	401 HARNESS RD
City	JACKSONVILLE
State	NC
Zip	28546-9798
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	L206 S5B HORSE CREEK FARMS
Legal Subdivision	HORSE CREEK FARMS
Legal Lot Number	206
Jurisdiction	ONSLOW NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3000
Census Tract	2300

Owner

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	401 HARNESS RD, JACKSONVILLE, NC 28546-9798
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY
Sep 28, 2020	Warranty Deed, Transfer · FHA Mortgage ALPHA MTG CORP
Feb 11, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Jun 17, 2024 · Amount on Record
Deed Book / Page	6616 / 158
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 17, 2026
Property Address	401 HARNESS RD, JACKSONVILLE, NC 28546-9798
Document Number	6616000158
Book / Page	6616 / 158
Instrument Date	Jun 2, 2026
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$58,580.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 HARNESS RD, JACKSONVILLE, NC 28546-9798

Mortgage

Document Number	6616000162,
Date	Jun 17, 2026
Book Page	6616/162

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 28, 2020
Property Address	401 HARNESS RD, JACKSONVILLE, NC 28546-9798
Document Number	0052740589
Book / Page	005274 / 000589
Instrument Date	Sep 3, 2020
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 HARNESS RD JACKSONVILLE NC 285469798, JACKSONVILLE, NC 28546-9798

Mortgage

Document Number	52740592
Date	Sep 28, 2020
Book Page	005274/000592

Lender

Name	ALPHA MTG CORP
Address	WILMINGTON, NC 28403

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	401 HARNESS RD, JACKSONVILLE, NC 28546-9798
Document Number	0051110318
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 HARNESS RD JACKSONVILLE NC 285469798, JACKSONVILLE, NC 28546-9798

Mortgage

Document Number	0051110318
Date	Feb 24, 2020
Book Page	005111/000318

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 23, 2060

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Onslow County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Onslow County
Unified School District	Onslow County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,259.00	$284,594 (+48%) Land $50,000 Building $234,594	$284,594 (+48%) Land $50,000 Building $234,594
2025	$1,259.00	$192,294 (-) Land $35,000 Building $157,294	$192,294 (-) Land $35,000 Building $157,294
2023	$1,259.00	$192,294 Land $35,000 Building $157,294	$192,294 Land $35,000 Building $157,294

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

Flood

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 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 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 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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