406 Richlands Loop Rd, Richlands, NC 28574 Property Records

Onslow County property record for 406 Richlands Loop Rd, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,938 sqft · built 1978
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2026)
Tax Bill	$986 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`30-14.1`

Property Details

APN / Parcel Number

Primary APN	`30-14.1`
Alternative APNs	`438135001` `438135000` `490033768` `006982`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,938 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.72 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	490033768
Street Address	406 RICHLANDS LOOP RD
City	RICHLANDS
State	NC
Zip	28574-6333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	SR 1301
Legal Subdivision	SURVEY FOR CHAD MCWILLIAMS AND WIFE
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	1
Census Block	1011
Census Tract	207

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 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Jan 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Feb 23, 2012 · Amount on Record
Deed Book / Page	6654 / 412
Prior Transfer Date	Jan 10, 2018
Prior Transfer Doc	0047230570
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Aug 14, 2026
Property Address	406 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6333
Document Number	6654000412
Book / Page	6654 / 412
Instrument Date	Jul 28, 2026
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$56,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6333

Mortgage

Document Number	6654000415,
Date	Aug 14, 2026
Book Page	6654/415

Lender

Name	MORTGAGE CENTER LLC

Agreement

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

Interest

Max Rate	-1%

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONSLOW NC
Recording Date	Jan 10, 2018
Property Address	406 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6333
Document Number	0047230570
Book / Page	004723 / 000570
Instrument Date	Jan 10, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 RICHLANDS LOOP RD RICHLANDS NC 285746333, RICHLANDS, NC 28574-6333

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	$986.00	$249,846 (+65.87%) Land $67,000 Building $182,846	$249,846 (+65.87%) Land $67,000 Building $182,846
2025	$986.00	$150,631 (-) Land $30,000 Building $120,631	$150,631 (-) Land $30,000 Building $120,631
2023	$986.00	$150,631 Land $30,000 Building $120,631	$150,631 Land $30,000 Building $120,631

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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	NORTHWEST ONSLOW WATER ASSOC private · serves 2,555 people · EPA ID NC0467030
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 83 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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