401 Ruddy Ct, Jacksonville, NC 28540 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 1996
Lot Size	0.433 acres (18,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Oct 2022)
Tax Bill	$1,084 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`753A-158`

Property Details

APN / Parcel Number

Primary APN	`753A-158`
Alternative APNs	`489593000` `472157000` `054588`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,074 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,875 sqft (0.433 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	489593000
Street Address	401 RUDDY CT
City	JACKSONVILLE
State	NC
Zip	28540-8380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L38 S4 SOUTH CREEK
Legal Subdivision	SOUTH CREEK SEC IV
Legal Lot Number	38
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	2
Census Block	2017
Census Tract	306

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 RUDDY CT, JACKSONVILLE, NC 28540-8380
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage ALPHA MORTGAGE USA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Book / Page	5848 / 547
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Oct 4, 2022
Property Address	401 RUDDY CT, JACKSONVILLE, NC 28540-8380
Document Number	0058480547
Book / Page	5848 / 547
Map Reference	MB 32 PG 208
Instrument Date	Sep 15, 2022
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RUDDY CT, JACKSONVILLE, NC 28540-8380

Mortgage

Document Number	0005848550
Date	Oct 4, 2022
Instrument	5848-550

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Apr 30, 2021
Property Address	401 RUDDY CT, JACKSONVILLE, NC 28540-8380
Document Number	0054500525
Book / Page	5450 / 525
Map Reference	MB 32 G 208
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RUDDY CT, JACKSONVILLE, NC 28540-8380

Mortgage

Document Number	0005450528
Date	Apr 30, 2021
Instrument	5450/528

Lender

Name	ALPHA MORTGAGE USA INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$1,084.00	$218,130 (+31.73%) Land $58,500 Building $159,630	$218,130 (+31.73%) Land $58,500 Building $159,630
2023	$1,084.00	$165,593 Land $35,000 Building $130,593	$165,593 Land $35,000 Building $130,593

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 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 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 63% of the US · above 51% 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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