Onslow County property record for 411 Joy Ct, Jacksonville, NC 28540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,862 sqft · built 2003 |
| Lot Size | 0.182 acres (7,937 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (May 2008) |
| Tax Bill | $1,115 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 55A-113 |
| Primary APN | 55A-113 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,862 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,937 sqft (0.182 acres) |
| Lot Dimensions | 115 ft deep x 69 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 482610000 |
|---|---|
| Street Address | 411 JOY CT |
| City | JACKSONVILLE |
| State | NC |
| Zip | 28540-9301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | L34 ROCK CREEK VILLAGE |
| Legal Subdivision | ROCK CREEK VILLAGE (R) |
| Legal Lot Number | 34 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 205 |
411 Joy Ct is owned and occupied by two individuals who bought it in May 2008.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 411 JOY CT, JACKSONVILLE, NC 28540-9301 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Feb 11, 2022 | Warranty Deed, Transfer · VA Mortgage ALPHA MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2008 · Amount on File |
| Deed Sale | May 2, 2008 · Amount on File |
| Deed Book / Page | 3059 / 680 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 411 JOY CT, JACKSONVILLE, NC 28540-9301 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0065300963 |
|---|---|
| Date | Feb 20, 2026 |
| Book Page | 6530/963 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Feb 11, 2022 |
| Property Address | 411 JOY CT, JACKSONVILLE, NC 28540-9301 |
| Document Number | 0056830650 |
| Book / Page | 5683 / 650 |
| Map Reference | MB 26 PG 18 |
| Instrument Date | Jan 27, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1411 N BITTERCREEK TER, 1411, MUSTANG, OK 73064-9430 |
| Name | Verified Name |
|---|---|
| Address | 411 JOY CT, JACKSONVILLE, NC 28540-9301 |
| Document Number | 0005683653 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 5683/653 |
| Name | ALPHA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2026 property tax bill for 411 Joy Ct was $1,115.
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,115.00 | $299,690 Land $60,000 Building $239,690 | $299,690 Land $60,000 Building $239,690 |
| 2023 | $1,115.00 | $215,378 Land $35,000 Building $180,378 | $215,378 Land $35,000 Building $180,378 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 411 Joy Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 50 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 50 in force |
| Nearby Flood Claims | 1 (2018) |
| 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 risk around 411 Joy Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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