Onslow County property record for 412 Guppy Loop, Sneads Ferry, NC 28460
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,348 sqft · built 2021 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on File |
| Last Sale | $267,000 (Oct 2025) |
| Tax Bill | $1,345 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 765F-80 |
| Primary APN | 765F-80 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,348 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,307 sqft (0.03 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 490024808 |
|---|---|
| Street Address | 412 GUPPY LOOP |
| City | SNEADS FERRY |
| State | NC |
| Zip | 28460-2304 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R-5 |
| Legal Description | L9E P2 STONEBAY TOWNHOMES |
| Legal Subdivision | STONEBAY TOWNHOMES PH 2 |
| Legal Lot Number | 9E |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 401 |
412 Guppy Loop, a townhouse, is owned and occupied by an individual who bought it in October 2025.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 412 GUPPY LOOP, SNEADS FERRY, NC 28460-2304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
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 |
|---|---|
| Oct 7, 2025 | Warranty Deed, Transfer · VA Mortgage LOANSTEADY LLC |
| Apr 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC |
| Dec 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage GERALD W SOUTHERN JR ETAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2025 · Amount on File |
| Deed Sale | Oct 7, 2025 · Amount on File |
| Prior Sale | Apr 3, 2023 · Amount on File |
| Deed Book / Page | 6450 / 254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Oct 7, 2025 |
| Property Address | 412 GUPPY LOOP, SNEADS FERRY, NC 28460-2304 |
| Document Number | 0064500254 |
| Book / Page | 6450 / 254 |
| Map Reference | MB 79 PG 201-201A |
| Instrument Date | Sep 15, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $534.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1941 FRIENDSHIP DR, EL CAJON, CA 92020-1125 |
| Name | Verified Name |
|---|---|
| Address | 412 GUPPY LOOP, SNEADS FERRY, NC 28460-2304 |
| Investor | Possibly a Property Investor |
| Document Number | 0006450258 |
|---|---|
| Date | Oct 7, 2025 |
| Instrument | 6450/258 |
| Name | LOANSTEADY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Apr 3, 2023 |
| Property Address | 412 GUPPY LOOP, SNEADS FERRY, NC 28460-2304 |
| Document Number | 0059400150 |
| Book / Page | 5940 / 150 |
| Map Reference | MB 79 PG 201-201A |
| Instrument Date | Mar 2, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1941 FRIENDSHIP DR STE E, E, EL CAJON, CA 92020-1144 |
| Document Number | 0005940155 |
|---|---|
| Date | Apr 3, 2023 |
| Instrument | 5940-155 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Dec 8, 2021 |
| Property Address | 412 GUPPY LOOP, SNEADS FERRY, NC 28460-2304 |
| Document Number | 0056380400 |
| Book / Page | 5638 / 400 |
| Map Reference | MB 29 PG 201-201A |
| Instrument Date | Dec 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 GARNET LN, JACKSONVILLE, NC 28546-8800 |
| Name | Verified Name |
|---|---|
| Address | 412 GUPPY LOOP, SNEADS FERRY, NC 28460-2304 |
| Document Number | 0005638403 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 5638/403 |
| Name | GERALD W SOUTHERN JR ETAL |
|---|---|
| Type | Private Party |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2026 property tax bill for 412 Guppy Loop was $1,345.
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 | $1,345.00 | $272,324 (+32.52%) Land $51,000 Building $221,324 | $272,324 (+32.52%) Land $51,000 Building $221,324 |
| 2025 | $1,345.00 | $205,492 Land $34,000 Building $171,492 | $205,492 Land $34,000 Building $171,492 |
| 2023 | $1,345.00 | $205,492 Land $34,000 Building $171,492 | $205,492 Land $34,000 Building $171,492 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Guppy Loop in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1986.
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 53 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 53 in force |
| Nearby Flood Claims | 47 (1986–2021) |
| Claims Outside the SFHA | 4 of 47 |
| Most Recent Claim | Jul 2021 · other causes |
| Claims by Event |
|
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 412 Guppy Loop is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 75% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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