422 Guppy Loop, Sneads Ferry, NC 28460 Property Records

Onslow County property record for 422 Guppy Loop, Sneads Ferry, NC 28460

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,726 sqft · built 2021
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Oct 2021)
Tax Bill	$1,267 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`765F-75`

Property Details

APN / Parcel Number

Primary APN	`765F-75`
Alternative APNs	`478299000` `169004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,726 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	478299000
Street Address	422 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	L8D P2 STONEBAY TOWNHOMES
Legal Subdivision	STONEBAY TOWNHOMES PH 2
Legal Lot Number	8D
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	2
Census Block	2006
Census Tract	401

Owner

422 Guppy Loop, a townhouse, is owned and occupied by two individuals who bought it in October 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	422 GUPPY LOOP, SNEADS FERRY, NC 28460-2304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Deed Book / Page	5592 / 136
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Oct 12, 2021
Property Address	422 GUPPY LOOP, SNEADS FERRY, NC 28460-2304
Document Number	0055920136
Book / Page	5592 / 136
Map Reference	MB 79 PG 201-201A
Instrument Date	Oct 12, 2021
Transaction Type	Transfer
Record Updated	Feb 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$456.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 GARNET LN, JACKSONVILLE, NC 28546-8800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 GUPPY LOOP ROAD, SNEADS FERRY, NC 28460-2304

Mortgage

Document Number	0005592139
Date	Oct 12, 2021
Instrument	5592/139

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 422 Guppy Loop was $1,267.

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	$1,267.00	$316,825 Land $51,000 Building $265,825	$316,825 Land $51,000 Building $265,825
2023	$1,561.00	$238,441 Land $34,000 Building $204,441	$238,441 Land $34,000 Building $204,441

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

Flood

FEMA maps place 422 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	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 20 claims Hurricane Fran, Sep 1996 · 16 claims Hurricane Bertha, Jul 1996 · 4 claims

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 422 Guppy Loop is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.1% 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 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