406 Duster Ln, Richlands, NC 28574 Property Records

Onslow County property record for 406 Duster Ln, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,690 sqft · built 2023
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (May 2026)
Tax Bill	$1,400 (2026)
Deeds & Mortgages	Oct 2022 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35C-69`

Property Details

APN / Parcel Number

Primary APN	`35C-69`
Alternative APNs	`0495168000` `460646000` `495168000` `490031689` `161361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	490031689
Street Address	406 DUSTER LN
City	RICHLANDS
State	NC
Zip	28574-4501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L47 S3 TURKEY RIDGE
Legal Subdivision	TURKEY RIDGE SEC III
Legal Lot Number	47
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	1
Census Block	1002
Census Tract	204

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	406 DUSTER LN, RICHLANDS, NC 28574-4501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Commercial Mortgage COASTAL BANK & TRUST
May 29, 2026	Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE GROUP INC
Jun 20, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU
May 20, 2020	Warranty Deed, Construction Loan · Line of Credit UBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Jun 20, 2023 · Amount on Record
Deed Book / Page	6602 / 411
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	406 DUSTER LN, RICHLANDS, NC 28574-4501
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058580810
Date	Oct 21, 2022
Book Page	5858/810

Lender

Name	COASTAL BANK & TRUST
Type	Bank
Address	RICHLANDS, NC 28574

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 29, 2026
Property Address	406 DUSTER LN, RICHLANDS, NC 28574-4501
Document Number	6602000411
Book / Page	6602 / 411
Instrument Date	May 18, 2026
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$61,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 DUSTER LN, RICHLANDS, NC 28574-4501

Mortgage

Document Number	6602000414,
Date	May 29, 2026
Book Page	6602/414

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

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

Interest

Rate	6.3%
Max Rate	-1%

June 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 20, 2023
Property Address	406 DUSTER LN, RICHLANDS, NC 28574-4501
Document Number	0059850230
Book / Page	5985 / 230
Map Reference	MB 72 PG 19 CAB N
Instrument Date	Jun 7, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 5, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$554.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2158 S NC 111 HWY, CHINQUAPIN, NC 28521-8560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 DUSTER LN, RICHLANDS, NC 28574-4501

Mortgage

Document Number	0005985233
Date	Jun 20, 2023
Instrument	5985-233

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 20, 2020
Property Address	406 DUSTER LN, RICHLANDS, NC 28574-4501
Document Number	0051680957
Book / Page	5168 / 957
Map Reference	MB 72 PG 49
Instrument Date	Apr 30, 2020
Transaction Type	Construction Loan
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2166 S NC 111 HWY, CHINQUAPIN, NC 28521-8560

Mortgage

Document Number	0005168961
Date	May 20, 2020
Instrument	5168/961

Lender

Name	UBANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$1,400.00	$313,772 (+46.78%) Land $58,500 Building $255,272	$313,772 (+46.78%) Land $58,500 Building $255,272
2025	$1,400.00 (+614.29%)	$213,767 (+612.56%) Land $30,000 Building $183,767	$213,767 (+612.56%) Land $30,000 Building $183,767
2023	$196.00	$30,000 (-) Land $30,000	$30,000 (-) Land $30,000
2022	$196.00	$30,000 Land $30,000	$30,000 Land $30,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
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	Moderate above 45% of the US · above 66% 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 80 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

May also be available: Brightspeed, T-Mobile.

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