403 Bay Harbor Ct, Hubert, NC 28539 Property Records

Onslow County property record for 403 Bay Harbor Ct, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2024)
Tax Bill	$1,914 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2023 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`1307D-2`

Property Details

APN / Parcel Number

Primary APN	`1307D-2`
Alternative APNs	`490011870` `113502001` `170997`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,174 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	490011870
Street Address	403 BAY HARBOR CT
City	HUBERT
State	NC
Zip	28539-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8M
Legal Description	L37 S5 P2 KINGSBRIDGE 2
Legal Subdivision	KINGSBRIDGE II P2 S5
Legal Lot Number	37
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	2
Census Block	2000
Census Tract	2803

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	403 BAY HARBOR CT, HUBERT, NC 28539-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 4, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on Record
Deed Sale	Jun 28, 2024 · Amount on Record
Deed Book / Page	6175 / 729
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	403 BAY HARBOR CT, HUBERT, NC 28539-1304
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	UNKNOWN, TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 BAY HARBOR CT, HUBERT, NC 28539-1304

Mortgage

Document Number	0064350262
Date	Sep 15, 2025
Book Page	6435/262

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	403 BAY HARBOR CT, HUBERT, NC 28539-1304
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060690620
Date	Dec 4, 2023
Book Page	6069/620

Lender

Name	FIRST BANK
Type	Bank
Address	JACKSONVILLE, NC 28546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$1,914.00 (+485.32%)	$365,072 (+630.14%) Land $50,000 Building $315,072	$365,072 (+630.14%) Land $50,000 Building $315,072
2023	$327.00	$50,000 Land $50,000	$50,000 Land $50,000

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 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 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	Moderate above 64% of the US · above 86% of North Carolina
Wildfire Likelihood	0.2% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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