Onslow County property record for 635 Richlands Loop Rd, Richlands, NC 28574
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,303 sqft · built 2007 |
| Lot Size | 29.9 acres (1,305,929 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,485,000 (Jun 2026) |
| Tax Bill | $4,703 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-57.1 |
| Primary APN | 30-57.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,303 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,305,929 sqft (29.9 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 490032127 |
|---|---|
| Street Address | 635 RICHLANDS LOOP RD |
| City | RICHLANDS |
| State | NC |
| Zip | 28574-6338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | 29.98AC TR RUSSELL & ERICA JONES |
| Legal Subdivision | RECOMB RUSSELL + ERICA JONES |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 207 |
Source: Onslow County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 635 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jun 11, 2026 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Feb 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on Record |
| Deed Sale | Jun 11, 2026 · Amount on Record |
| Prior Sale | Jun 10, 2024 · Amount on Record |
| Deed Book / Page | 6612 / 227 |
| Prior Transfer Date | Mar 5, 2008 |
| Prior Transfer Doc | 0030320335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jun 11, 2026 |
| Property Address | 635 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6338 |
| Document Number | 6612000227 |
| Book / Page | 6612 / 227 |
| Instrument Date | May 29, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299,970.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6338 |
| Document Number | 6612000231, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 6612/231 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Oct 13, 2022 |
| Property Address | 635 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6338 |
| Document Number | 0058530927 |
| Book / Page | 5853 / 927 |
| Map Reference | MB 82 PG 213 |
| Instrument Date | Oct 11, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,970.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 738, RICHLANDS, NC 28574-0738 |
| Name | Verified Name |
|---|---|
| Address | 635 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6338 |
| Document Number | 0005853931 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | 5853-931 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 635 RICHLANDS LOOP RD, RICHLANDS, NC 28574-6338 |
| Document Number | 0045770525 |
| Instrument Date | Feb 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 635 RICHLANDS LOOP RD RICHLANDS NC 285746338, RICHLANDS, NC 28574-6338 |
| Document Number | 0045770525 |
|---|---|
| Date | Feb 15, 2017 |
| Book Page | 004577/000525 |
| Name | STATE BK&TR |
|---|---|
| Type | Bank |
| Address | AUGUSTA, GA 30909 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 14, 2032 |
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,703.00 | $1,082,196 (+50.72%) Land $142,940 Building $939,256 | $1,082,196 (+50.72%) Land $142,940 Building $939,256 |
| 2025 | $4,703.00 | $718,023 (-) Land $71,070 Building $646,953 | $718,023 (-) Land $71,070 Building $646,953 |
| 2023 | $4,703.00 | $718,023 Land $71,070 Building $646,953 | $718,023 Land $71,070 Building $646,953 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
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.
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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHWEST ONSLOW WATER ASSOC private · serves 2,555 people · EPA ID NC0467030 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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