401 Joy Ct, Jacksonville, NC 28540 Property Records

Onslow County property record for 401 Joy Ct, Jacksonville, NC 28540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 2002
Lot Size	0.182 acres (7,919 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2026)
Tax Bill	$1,310 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`55A-118`

Property Details

APN / Parcel Number

Primary APN	`55A-118`
Alternative APNs	`490018365` `191296000` `485115000` `047112`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,594 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,919 sqft (0.182 acres)
Lot Dimensions	107 ft deep x 74 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	485115000
Street Address	401 JOY CT
City	JACKSONVILLE
State	NC
Zip	28540-9301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	L39 ROCK CREEK VILLAGE
Legal Subdivision	ROCK CREEK VILLAGE (R)
Legal Lot Number	39
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	1
Census Block	1011
Census Tract	205

Owner

Source: Onslow County records, as of October 19, 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 JOY CT, JACKSONVILLE, NC 28540-9301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Oct 22, 2025	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2026 · Amount on Record
Deed Sale	Sep 8, 2026 · Amount on Record
Prior Sale	Oct 22, 2025 · Amount on Record
Deed Book / Page	6668 / 467
Prior Transfer Date	Sep 26, 2025
Prior Transfer Doc	0064590930
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Sep 8, 2026
Property Address	401 JOY CT, JACKSONVILLE, NC 28540-9301
Document Number	6668000467
Book / Page	6668 / 467
Instrument Date	Sep 4, 2026
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$57,570.00
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 JOY CT, JACKSONVILLE, NC 28540-9301

Mortgage

Document Number	6668000471,
Date	Sep 8, 2026
Book Page	6668/471

Lender

Name	MORTGAGE CENTER LLC

Agreement

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

Interest

Max Rate	-1%

October 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ONSLOW NC
Recording Date	Oct 22, 2025
Property Address	401 JOY CT, JACKSONVILLE, NC 28540-9301
Document Number	0064590930
Book / Page	6459 / 930
Map Reference	MB 26 PG 18
Instrument Date	Sep 26, 2025
Transaction Type	Foreclosure
Record Updated	Nov 17, 2025

Transaction

Amount	Amount Recorded
Tax	$434.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5431 OLEANDER DR STE 200, 200, WILMINGTON, NC 28403-5857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 PINEHURST CIR, HAMPSTEAD, NC 28443-3840

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	$1,310.00	$277,649 (+38.8%) Land $60,000 Building $217,649	$277,649 (+38.8%) Land $60,000 Building $217,649
2025	$1,310.00	$200,031 (-) Land $35,000 Building $165,031	$200,031 (-) Land $35,000 Building $165,031
2023	$1,310.00	$200,031 Land $35,000 Building $165,031	$200,031 Land $35,000 Building $165,031

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 50 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · Hurricane Florence

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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 151 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 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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