Onslow County property record for 421 Ridge Rd, Jacksonville, NC 28540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,844 sqft · built 2001 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $207,000 (Jan 2011) |
| Tax Bill | $1,469 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Feb 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 331B-45 |
| Primary APN | 331B-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 171 ft deep x 132 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 400036587 |
|---|---|
| Street Address | 421 RIDGE RD |
| City | JACKSONVILLE |
| State | NC |
| Zip | 28540-2962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | L33 & L34 BG RIVERWOOD ESTATES PT S/F 331B-46 |
| Legal Subdivision | RIVERWOOD EST |
| Legal Block | G |
| Legal Lot Number | 34 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | JACKSONVILLE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1101 |
421 Ridge Rd is owned and occupied by two individuals who acquired it in February 2026.
Source: Onslow County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 RIDGE RD, JACKSONVILLE, NC 28540-2962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 26, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Feb 18, 2026 | Intrafamily Transfer, Transfer |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2011 · Amount on File |
| Deed Sale | Jan 28, 2011 · Amount on File |
| Deed Book / Page | 3544 / 825 |
| Last Transfer Date | Feb 17, 2026 |
| Transfer Doc | 0065290256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 421 RIDGE RD, JACKSONVILLE, NC 28540-2962 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY |
| Name | Verified Name |
|---|---|
| Address | 421 RIDGE RD, JACKSONVILLE, NC 28540-2962 |
| Document Number | 0065560045 |
|---|---|
| Date | Mar 26, 2026 |
| Book Page | 6556/45 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Apr 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Feb 18, 2026 |
| Property Address | 421 RIDGE RD, JACKSONVILLE, NC 28540-2962 |
| Document Number | 0065290256 |
| Book / Page | 6529 / 256 |
| Map Reference | MB 23 PG 109 |
| Instrument Date | Feb 17, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 RIDGE RD, JACKSONVILLE, NC 28540-2962 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 421 RIDGE RD, JACKSONVILLE, NC 28540-2962 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0053200763 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 5320/763 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2026 property tax bill for 421 Ridge Rd was $1,469.
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 | $1,469.00 | $261,987 (-2.73%) Building $261,987 | $261,987 (-2.73%) Building $261,987 |
| 2025 | $1,469.00 | $269,338 Land $45,000 Building $224,338 | $269,338 Land $45,000 Building $224,338 |
| 2023 | $1,764.00 | $269,338 Land $45,000 Building $224,338 | $269,338 Land $45,000 Building $224,338 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2011–2018) |
| Claims Outside the SFHA | 2 of 2 |
| 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 421 Ridge Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% 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 106 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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