405 S Bluff Cir, Jacksonville, NC 28540 Property Records

Onslow County property record for 405 S Bluff Cir, Jacksonville, NC 28540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,996 sqft · built 2011
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$218,530 (Nov 2016)
Tax Bill	$2,072 (2026)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`56C-72`

Property Details

APN / Parcel Number

Primary APN	`56C-72`
Alternative APNs	`431794000` `074677`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,996 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	19,994 sqft (0.459 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	431794000
Street Address	405 S BLUFF CIR
City	JACKSONVILLE
State	NC
Zip	28540-8962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L56 P2 RIVER BLUFF
Legal Subdivision	RIVER BLUFF PH2
Legal Lot Number	56
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	2
Census Block	2000
Census Tract	205

Owner

405 S Bluff Cir is owned by two individuals who bought it in November 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	1248 TITUS LN, JACKSONVILLE, NC 28540-7554
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2016 · Amount on File
Deed Sale	Nov 28, 2016 · Amount on File
Prior Sale	Nov 4, 2011 · Amount on File
Deed Book / Page	4542 / 636
Prior Transfer Date	Nov 23, 2016
Prior Transfer Doc	0045420636
Record Updated	Oct 29, 2026

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Mar 8, 2017
Property Address	405 S BLUFF CIR, JACKSONVILLE, NC 28540-8962
Document Number	0045860636
Book / Page	4586 / 636
Map Reference	MB61 PG182
Instrument Date	Mar 2, 2017
Instrument	4586-636
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1248 TITUS LN, JACKSONVILLE, NC 28540-7554

Mortgage

Document Number	0004586639
Date	Mar 8, 2017
Instrument	4586-639

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 405 S Bluff Cir was $2,072.

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	$2,072.00	$409,114 (+29.32%) Land $58,500 Building $350,614	$409,114 (+29.32%) Land $58,500 Building $350,614
2025	$2,072.00	$316,370 Land $35,000 Building $281,370	$316,370 Land $35,000 Building $281,370
2023	$2,072.00	$316,370 Land $35,000 Building $281,370	$316,370 Land $35,000 Building $281,370

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

Flood

FEMA maps place 405 S Bluff Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 78 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	78 in force
Nearby Flood Claims	20 (2016–2022)
Claims Outside the SFHA	1 of 20
Most Recent Claim	Mar 2022 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 18 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 405 S Bluff Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.04% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20