491 Hemlock Dr, Jacksonville, NC 28546 Property Records

Onslow County property record for 491 Hemlock Dr, Jacksonville, NC 28546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,815 sqft · built 1985
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$64,000 (Feb 1995)
Tax Bill	$790 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1106B-52`

Property Details

APN / Parcel Number

Primary APN	`1106B-52`
Alternative APNs	`158881001` `158881000` `044003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,815 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	158881001
Street Address	491 HEMLOCK DR
City	JACKSONVILLE
State	NC
Zip	28546-4511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-7
Legal Description	L7 S1A BC ARAGONA VILLAGE
Legal Subdivision	ARAGONA VILL SEC 1-A
Legal Block	C
Legal Lot Number	7
Jurisdiction	ONSLOW NC
Township / Civil Division	WHITE OAK
Census Block Group	3
Census Block	3013
Census Tract	2100

Owner

491 Hemlock Dr is owned and occupied by an individual who bought it in February 1995.

Source: Onslow County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	491 HEMLOCK DR, JACKSONVILLE, NC 28546-4511
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
Sep 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jul 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 1995 · Amount on File
Deed Sale	Feb 7, 1995 · Amount on File
Deed Book / Page	1225 / 291
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Recording Date	Sep 21, 2026
Property Address	491 HEMLOCK DR, JACKSONVILLE, NC 28546-4511
Document Number	6674000922
Book / Page	6674 / 922
Instrument Date	Sep 12, 2026
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	SERVICELINK, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 HEMLOCK DR, JACKSONVILLE, NC 28546-4511

Mortgage

Document Number	6674000922,
Date	Sep 21, 2026
Book Page	6674/922

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	491 HEMLOCK DR, JACKSONVILLE, NC 28546-4511
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 HEMLOCK DR, JACKSONVILLE, NC 28546-4511

Mortgage

Document Number	0060070184
Date	Jul 27, 2023
Book Page	6007/184

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 491 Hemlock Dr was $790.

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	$790.00	$226,309 Land $52,000 Building $174,309	$226,309 Land $52,000 Building $174,309
2023	$759.00	$160,964 Land $37,500 Building $123,464	$160,964 Land $37,500 Building $123,464

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

Flood

FEMA maps place 491 Hemlock Dr in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2005.

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 28 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	15 (2005–2018)
Claims Outside the SFHA	7 of 15
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 10 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 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 491 Hemlock Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 185 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
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, T-Mobile.

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