Onslow County property record for 413 Midnight Dr, Richlands, NC 28574
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,505 sqft · built 2016 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,416 (2026) |
| Deeds & Mortgages | Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 42E-41 |
| Primary APN | 42E-41 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,505 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,651 sqft (0.52 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 429160000 |
|---|---|
| Street Address | 413 MIDNIGHT DR |
| City | RICHLANDS |
| State | NC |
| Zip | 28574-6393 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | L32 S2 INDIGO RIDGE |
| Legal Subdivision | INDIGO RIDGE SEC 2 |
| Legal Lot Number | 32 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 203 |
413 Midnight Dr is owned and occupied by two individuals.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 MIDNIGHT DR, RICHLANDS, NC 28574-6393 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 413 MIDNIGHT DR, RICHLANDS, NC 28574-6393 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052960617 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 5296/617 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 16, 2060 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 413 Midnight Dr was $1,416.
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 | $1,416.00 | $279,543 Land $50,000 Building $229,543 | $279,543 Land $50,000 Building $229,543 |
| 2023 | $1,416.00 | $216,195 Land $40,000 Building $176,195 | $216,195 Land $40,000 Building $176,195 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Midnight Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims 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 24 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 9 (2018) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| 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 413 Midnight Dr is low, with a 0.02% annual chance of 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 | 0.02% 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 75 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 |
5G (outdoors only) and 4G LTE
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