415 Bay Harbor Ct, Hubert, NC 28539 Property Records

Onslow County property record for 415 Bay Harbor Ct, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,102 sqft · built 2022
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Mar 2023)
Tax Bill	$1,673 (2026)
Deeds & Mortgages	Jun 2022 Construction Loan Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1307D-8`

Property Details

APN / Parcel Number

Primary APN	`1307D-8`
Alternative APNs	`0492952000` `113502001` `492952000` `171004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,102 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	492952000
Street Address	415 BAY HARBOR CT
City	HUBERT
State	NC
Zip	28539-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8M
Legal Description	L43 S5 P2 KINGSBRIDGE 2
Legal Subdivision	KINGSBRIDGE II P2 S5
Legal Lot Number	43
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	2
Census Block	2000
Census Tract	2803

Owner

415 Bay Harbor Ct is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	415 BAY HARBOR CT, HUBERT, NC 28539-1304
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK
Mar 16, 2023	Warranty Deed, Transfer · VA Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2023 · Amount on File
Deed Sale	Mar 16, 2023 · Amount on File
Deed Book / Page	5930 / 687
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	415 BAY HARBOR CT, HUBERT, NC 28539-1304
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057820783
Date	Jun 24, 2022
Book Page	5782/783

Lender

Name	FIRST BANK
Type	Bank
Address	GREENSBORO, NC 27404

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Mar 16, 2023
Property Address	415 BAY HARBOR CT, HUBERT, NC 28539-1304
Document Number	0059300687
Book / Page	5930 / 687
Map Reference	MB 81 PG 117
Instrument Date	Mar 8, 2023
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 BAY HARBOR CT, HUBERT, NC 28539-1304

Mortgage

Document Number	0005930692
Date	Mar 16, 2023
Instrument	5930/692

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 415 Bay Harbor Ct was $1,673, up 5.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,673.00 (+5.42%)	$370,976 (+23.45%) Land $50,000 Building $320,976	$370,976 (+23.45%) Land $50,000 Building $320,976
2025	$1,587.00	$300,510 Land $50,000 Building $250,510	$300,510 Land $50,000 Building $250,510
2023	$1,321.00	$201,818 Land $50,000 Building $151,818	$201,818 Land $50,000 Building $151,818

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

Flood

FEMA maps place 415 Bay Harbor Ct in Zone X, an area of minimal flood risk.

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 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force

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 415 Bay Harbor Ct is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 87% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 38 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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