435 Ridge Rd, Jacksonville, NC 28540 Property Records

Onslow County property record for 435 Ridge Rd, Jacksonville, NC 28540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,234 sqft · built 2014
Lot Size	0.502 acres (21,850 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (May 2023)
Tax Bill	$1,823 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`331B-66`

Property Details

APN / Parcel Number

Primary APN	`331B-66`
Alternative APNs	`0494047000` `416690000` `494047000` `017748`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,234 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	21,850 sqft (0.502 acres)
Lot Dimensions	230 ft deep x 95 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	494047000
Street Address	435 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	L16 BH RIVERWOOD ESTATES
Legal Subdivision	RIVERWOOD EST
Legal Block	H
Legal Lot Number	16
Jurisdiction	ONSLOW NC
Township / Civil Division	JACKSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	1101

Owner

435 Ridge Rd is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	435 RIDGE RD, JACKSONVILLE, NC 28540-2962
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Prior Sale	Oct 3, 2014 · Amount on File
Deed Book / Page	5957 / 31
Prior Transfer Date	Nov 30, 2013
Prior Transfer Doc	0041030078
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	May 3, 2023
Property Address	435 RIDGE RD, JACKSONVILLE, NC 28540-2962
Document Number	0059570031
Book / Page	5957 / 31
Map Reference	MB 6 PG 82&83
Instrument Date	Apr 3, 2023
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 RIDGE RD, JACKSONVILLE, NC 28540-2962

Mortgage

Document Number	0005957035
Date	May 3, 2023
Instrument	5957-035

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 435 Ridge Rd was $1,823.

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		$420,126 (+29.89%) Land $70,000 Building $350,126	$420,126 (+29.89%) Land $70,000 Building $350,126
2025	$1,823.00	$323,452 Land $45,000 Building $278,452	$323,452 Land $45,000 Building $278,452
2023	$2,118.00	$323,452 Land $45,000 Building $278,452	$323,452 Land $45,000 Building $278,452

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

Flood

FEMA maps place 435 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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 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

Wildfire risk around 435 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.

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 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