403 Sterling Rd, Jacksonville, NC 28546 Property Records

Onslow County property record for 403 Sterling Rd, Jacksonville, NC 28546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1977
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Nov 2025)
Tax Bill	$779 (2026)
Deeds & Mortgages	Nov 2025 Sale Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1114F-39`

Property Details

APN / Parcel Number

Primary APN	`1114F-39`
Alternative APNs	`127301002` `286365000` `018035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	127301002
Street Address	403 STERLING RD
City	JACKSONVILLE
State	NC
Zip	28546-8437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	L2 S4 BO MONTCLAIR PARK
Legal Subdivision	MONTCLAIR PARK SEC 4
Legal Block	O
Legal Lot Number	2
Jurisdiction	ONSLOW NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2001
Census Tract	2300

Owner

403 Sterling Rd is owned by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	401 STERLING RD, JACKSONVILLE, NC 28546-8437
Owner Type	Individual
Vesting	Widow or Widower

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
Nov 21, 2025	Warranty Deed, Transfer
Nov 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Mar 12, 1993 · Amount on File
Deed Book / Page	6480 / 657
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Nov 21, 2025
Property Address	403 STERLING RD, JACKSONVILLE, NC 28546-8437
Document Number	0064800657
Book / Page	6480 / 657
Map Reference	MB 17 PG 52
Instrument Date	Nov 7, 2025
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount on Record
Tax	$310.00
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 STERLING RD, JACKSONVILLE, NC 28546-8437

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	403 STERLING RD, JACKSONVILLE, NC 28546-8437
Document Number	0048640646
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 STERLING RD JACKSONVILLE NC 285468437, JACKSONVILLE, NC 28546-8437

Mortgage

Document Number	0048640646
Date	Nov 26, 2018
Book Page	004864/000646

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 403 Sterling Rd was $779.

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	$779.00	$190,717 (+60.2%) Land $52,000 Building $138,717	$190,717 (+60.2%) Land $52,000 Building $138,717
2025	$779.00	$119,053 Land $35,000 Building $84,053	$119,053 Land $35,000 Building $84,053
2023	$779.00	$119,053 Land $35,000 Building $84,053	$119,053 Land $35,000 Building $84,053

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

Flood

FEMA maps place 403 Sterling Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 2010.

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 File median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	14 (2010–2018)
Claims Outside the SFHA	6 of 14
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 9 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 2 claims

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 403 Sterling Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.05% 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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