407 Tree Ct, Holly Ridge, NC 28445 Property Records

Onslow County property record for 407 Tree Ct, Holly Ridge, NC 28445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft · built 2009
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jun 2026)
Tax Bill	$2,438 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`735B-274`

Property Details

APN / Parcel Number

Primary APN	`735B-274`
Alternative APNs	`490032179` `400000181` `074743`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	116 ft deep x 62 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	490032179
Street Address	407 TREE CT
City	HOLLY RIDGE
State	NC
Zip	28445-8702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	L183 P2S5 NEIGHBORHOODS OF HOLLY RIDGE
Legal Subdivision	NEIGHORHOODS OF HOLLY RIDGE P2 S5
Legal Lot Number	183
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	1
Census Block	1128
Census Tract	401

Owner

407 Tree Ct is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 TREE CT, HOLLY RIDGE, NC 28445-8702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Jun 15, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2020	Deed of Trust, Mortgage · VA Mortgage ANGEL OAK HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	Jun 25, 2009 · Amount on File
Deed Book / Page	6614 / 608
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 15, 2026
Property Address	407 TREE CT, HOLLY RIDGE, NC 28445-8702
Document Number	6614000608
Book / Page	6614 / 608
Instrument Date	May 27, 2026
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
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	407 TREE CT, HOLLY RIDGE, NC 28445-8702

Mortgage

Document Number	6614000611,
Date	Jun 15, 2026
Book Page	6614/611

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	407 TREE CT, HOLLY RIDGE, NC 28445-8702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052610883
Date	Sep 10, 2020
Book Page	5261/883

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 407 Tree Ct was $2,438, up 3% from the year before.

Source: Onslow County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Onslow County
Municipality	Holly Ridge Town
Unified School District	Onslow County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,438.00 (+3.04%)	$301,504 (+26.74%) Land $70,000 Building $231,504	$301,504 (+26.74%) Land $70,000 Building $231,504
2025	$2,366.00	$237,888 Land $45,000 Building $192,888	$237,888 Land $45,000 Building $192,888
2023	$2,366.00	$237,888 Land $45,000 Building $192,888	$237,888 Land $45,000 Building $192,888

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

Flood

FEMA maps place 407 Tree Ct in Zone X, an area of minimal flood risk, though there have been 77 flood claims nearby since 1989.

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 33 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	77 (1989–2018)
Claims Outside the SFHA	6 of 77
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 19 claims Hurricane Bonnie, Aug 1998 · 10 claims Hurricane Fran, Sep 1996 · 25 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 407 Tree Ct 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 62% of the US · above 52% 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 386 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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