438 Bear Creek Rd, Hubert, NC 28539 Property Records

Onslow County property record for 438 Bear Creek Rd, Hubert, NC 28539

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1957
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Jun 2017)
Tax Bill	$922 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1309-73`

Property Details

APN / Parcel Number

Primary APN	`1309-73`
Alternative APNs	`433824000` `001908`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	433824000
Street Address	438 BEAR CREEK RD
City	HUBERT
State	NC
Zip	28539-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SR 1503
Legal Subdivision	LANDS OF WILLIAMS SANDERS BEAR CREEK
Jurisdiction	ONSLOW NC
Township / Civil Division	SWANSBORO
Census Block Group	1
Census Block	1012
Census Tract	2801

Owner

438 Bear Creek Rd is owned by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	487 PARKERTOWN RD, HUBERT, NC 28539-3925
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	Name on Deed
Last Sale	Jun 15, 2017 · Amount on File
Deed Sale	Jun 15, 2017 · Amount on File
Prior Sale	Jul 17, 2006 · Amount on File
Deed Document Number	20174630-955
Deed Book / Page	4630 / 955
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jun 15, 2017
Property Address	438 BEAR CREEK RD, HUBERT, NC 28539-3408
Document Number	0046300955
Book / Page	4630 / 955
Instrument Date	May 25, 2017
Instrument	4630-955
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 BEAR CREEK RD, HUBERT, NC 28539-3408

Mortgage

Document Number	4630958
Date	Jun 15, 2017
Instrument	4630-958

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 438 Bear Creek Rd was $922.

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	$922.00	$204,495 Land $51,200 Building $153,295	$204,495 Land $51,200 Building $153,295
2023	$922.00	$140,834 Land $36,000 Building $104,834	$140,834 Land $36,000 Building $104,834

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

Flood

FEMA maps place 438 Bear Creek Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1998.

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 86 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	86 in force
Nearby Flood Claims	11 (1998–2018)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 6 claims Hurricane Ophelia, Sep 2005 · 2 claims Hurricane Bonnie, Aug 1998 · 2 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 438 Bear Creek Rd is moderate, ranking above 52% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.09% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20