Onslow County property record for 412 Joy Ct, Jacksonville, NC 28540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 2001 |
| Lot Size | 0.391 acres (17,028 sqft) |
| Owner | Company Name on File |
| Last Sale | $40,000 (Mar 2001) |
| Tax Bill | $1,313 (2026) |
| Deeds & Mortgages | Mar 2023 Sale Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 55A-90 |
| Primary APN | 55A-90 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,028 sqft (0.391 acres) |
| Lot Dimensions | 132 ft deep x 129 ft wide |
| View / Lot | Waterfront / Beach |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 492953000 |
|---|---|
| Street Address | 412 JOY CT |
| City | JACKSONVILLE |
| State | NC |
| Zip | 28540-9302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Description | L11 & L12 ROCK CREEK VILLAGE S/F 55 52,2 |
| Legal Subdivision | ROCK CREEK VILLAGE REVISE L8-11 |
| Legal Lot Number | 11-12 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 205 |
412 Joy Ct is owned by a company that bought it in March 2001.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 412 JOY CT, JACKSONVILLE, NC 28540-9302 |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Mar 16, 2023 | Warranty Deed, Transfer |
| Nov 3, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2001 · Amount on File |
| Deed Sale | Mar 20, 2001 · Amount on File |
| Deed Book / Page | 1691 / 215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Mar 16, 2023 |
| Property Address | 412 JOY CT, JACKSONVILLE, NC 28540-9302 |
| Document Number | 0059300640 |
| Book / Page | 5930 / 640 |
| Map Reference | MB 26 PG 18 |
| Instrument Date | Mar 16, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 JOY CT, JACKSONVILLE, NC 28540-9302 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 412 JOY CT, JACKSONVILLE, NC 28540-9302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0046970387 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 4697/387 |
| Instrument | 4697-387 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 412 Joy Ct was $1,313.
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 | $1,313.00 | $286,646 Land $75,000 Building $211,646 | $286,646 Land $75,000 Building $211,646 |
| 2023 | $1,313.00 | $200,551 Land $45,000 Building $155,551 | $200,551 Land $45,000 Building $155,551 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 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 412 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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