509 Spiro Ct, Richlands, NC 28574 Property Records

Onslow County property record for 509 Spiro Ct, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,266 sqft · built 2017
Lot Size	1.65 acres (71,874 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Aug 2023)
Tax Bill	$1,819 (2026)
Deeds & Mortgages	Sep 2023 Transfer Aug 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`42E-28`

Property Details

APN / Parcel Number

Primary APN	`42E-28`
Alternative APNs	`497293000` `454932000` `160923`

Interior

Bedrooms	4 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	2,266 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	71,874 sqft (1.65 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	497293000
Street Address	509 SPIRO CT
City	RICHLANDS
State	NC
Zip	28574-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L19 S2 INDIGO RIDGE
Legal Subdivision	INDIGO RIDGE SEC 2
Legal Lot Number	19
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	2
Census Block	2005
Census Tract	203

Owner

509 Spiro Ct is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	509 SPIRO CT, RICHLANDS, NC 28574-6012
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 20, 2023	Intrafamily Transfer, Transfer
Aug 7, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Dec 23, 2020	Deed of Trust, Mortgage · VA Mortgage TJC MORTGAGE INC
Oct 31, 2019	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE
Mar 6, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2023 · Amount on File
Deed Sale	Aug 7, 2023 · Amount on File
Prior Sale	Oct 31, 2019 · Amount on File
Deed Book / Page	6013 / 443
Prior Transfer Date	Jun 13, 2023
Prior Transfer Doc	0060370301
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ONSLOW NC
Recording Date	Sep 20, 2023
Property Address	509 SPIRO CT, RICHLANDS, NC 28574-6012
Document Number	0060370301
Book / Page	6037 / 301
Map Reference	MB 71 PG 128
Instrument Date	Jun 13, 2023
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SPIRO CT, RICHLANDS, NC 28574-6012

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Aug 7, 2023
Property Address	509 SPIRO CT, RICHLANDS, NC 28574-6012
Document Number	0060130443
Book / Page	6013 / 443
Map Reference	MB 71 PG 128
Instrument Date	Jun 1, 2023
Transaction Type	Transfer
Record Updated	Aug 22, 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	509 SPIRO CT, RICHLANDS, NC 28574-6012

Mortgage

Document Number	0006013447
Date	Aug 7, 2023
Instrument	6013-447

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	509 SPIRO CT, RICHLANDS, NC 28574-6012
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053450724
Date	Dec 23, 2020
Book Page	5345/724

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Oct 31, 2019
Property Address	509 SPIRO CT, RICHLANDS, NC 28574-6012
Document Number	0050480969
Book / Page	005048 / 000969
Instrument Date	Oct 22, 2019
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 SPIRO CT RICHLANDS NC 285746012, RICHLANDS, NC 28574-6012

Mortgage

Document Number	50480973
Date	Oct 31, 2019
Book Page	005048/000973

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Mar 6, 2017
Property Address	509 SPIRO CT, RICHLANDS, NC 28574-6012
Document Number	0045850441
Book / Page	4585 / 441
Map Reference	MB71 PG128
Instrument Date	Mar 1, 2017
Instrument	4585-441
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7194, JACKSONVILLE, NC 28540-2194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SPIRO CT, RICHLANDS, NC 28574-6012

Mortgage

Document Number	4585444
Date	Mar 6, 2017
Instrument	4585-444

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 509 Spiro Ct was $1,819.

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	$1,819.00	$358,350 (+28.99%) Land $50,100 Building $308,250	$358,350 (+28.99%) Land $50,100 Building $308,250
2025	$1,819.00	$277,818 Land $40,100 Building $237,718	$277,818 Land $40,100 Building $237,718
2023	$1,819.00	$277,818 (-) Land $40,100 Building $237,718	$277,818 (-) Land $40,100 Building $237,718
2022	$1,819.00	$277,818 Land $40,100 Building $237,718	$277,818 Land $40,100 Building $237,718

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

Flood

FEMA maps place 509 Spiro Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2018.

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 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	9 (2018)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 9 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 509 Spiro Ct 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spiro Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures