478 Waters Rd, Jacksonville, NC 28546 Property Records

Onslow County property record for 478 Waters Rd, Jacksonville, NC 28546

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,206 sqft · built 1985
Lot Size	0.348 acres (15,150 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Aug 2014)
Tax Bill	$898 (2026)
Deeds & Mortgages	May 2024 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1105B-1`

Property Details

APN / Parcel Number

Primary APN	`1105B-1`
Alternative APNs	`416228000` `044411`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	15,150 sqft (0.348 acres)
Lot Dimensions	202 ft deep x 75 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	416228000
Street Address	478 WATERS RD
City	JACKSONVILLE
State	NC
Zip	28546-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	L1 S1 FIELDCREST
Legal Subdivision	FIELDCREST SEC 1
Legal Lot Number	1
Jurisdiction	ONSLOW NC
Township / Civil Division	WHITE OAK
Census Block Group	2
Census Block	2002
Census Tract	103

Owner

478 Waters Rd is owned and occupied by an individual who bought it in August 2014.

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

Owner of Record	Individual Name on File
Mailing Address	478 WATERS RD, JACKSONVILLE, NC 28546-9756
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
May 6, 2024	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Dec 10, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2014 · Amount on File
Deed Sale	Aug 29, 2014 · Amount on File
Prior Sale	Dec 31, 2013 · Amount on File
Deed Book / Page	4195 / 907
Prior Transfer Date	Sep 16, 2013
Prior Transfer Doc	0040600726
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	478 WATERS RD, JACKSONVILLE, NC 28546-9756
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 WATERS RD, JACKSONVILLE, NC 28546-9756

Mortgage

Document Number	0061430687
Date	May 6, 2024
Book Page	6143/687

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2064

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	478 WATERS RD, JACKSONVILLE, NC 28546-9756
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 WATERS RD, JACKSONVILLE, NC 28546-9756

Mortgage

Document Number	0056400205
Date	Dec 10, 2021
Book Page	5640/205

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	273 Months
Due	Sep 1, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 478 Waters Rd was $898.

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	$898.00	$229,603 Land $50,000 Building $179,603	$229,603 Land $50,000 Building $179,603
2023	$898.00	$137,175 Land $35,000 Building $102,175	$137,175 Land $35,000 Building $102,175

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

Flood

FEMA maps place 478 Waters Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1996.

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	8 (1996–2018)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Severe Storms, Flooding, And Straight-line Winds, Oct 2010 · 2 claims Hurricane Fran, Sep 1996 · 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 478 Waters Rd is moderate, ranking above 52% 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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 28 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waters Rd

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