Onslow County property record for 644 E Ocean Rd, Holly Ridge, NC 28445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 905 sqft · built 2010 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Aug 2026) |
| Tax Bill | $1,412 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 734B-17 |
| Primary APN | 734B-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 905 sqft Living Area |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 490033562 |
|---|---|
| Street Address | 644 E OCEAN RD |
| City | HOLLY RIDGE |
| State | NC |
| Zip | 28445-8710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15A |
| Legal Description | TR2 HAMPSTEAD DEV |
| Legal Subdivision | HAMPSTEAD DEVELOPERS LLC |
| Legal Tract | 2 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | STUMP SOUND |
| Census Block Group | 1 |
| Census Block | 1132 |
| Census Tract | 401 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 826 SKEET CLUB RD, HIGH POINT, NC 27265-1243 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Aug 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHAMPIONS FUNDING LLC |
| Jun 30, 2022 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2026 · Amount on Record |
| Deed Sale | Aug 6, 2026 · Amount on Record |
| Prior Sale | Dec 16, 2009 · Amount on Record |
| Deed Book / Page | 6649 / 629 |
| Prior Transfer Date | Jun 25, 2010 |
| Prior Transfer Doc | 0034320582 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Aug 6, 2026 |
| Property Address | 644 E OCEAN RD, HOLLY RIDGE, NC 28445-8710 |
| Document Number | 6649000629 |
| Book / Page | 6649 / 629 |
| Instrument Date | Jul 9, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 826 SKEET CLUB RD, HIGH POINT, NC 27265-1243 |
| Document Number | 6649000634, |
|---|---|
| Date | Aug 6, 2026 |
| Book Page | 6649/634 |
| Name | CHAMPIONS FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Jun 30, 2022 |
| Property Address | 644 E OCEAN RD, HOLLY RIDGE, NC 28445-8710 |
| Document Number | 0057870044 |
| Book / Page | 5787 / 44 |
| Map Reference | MB 55 PG 25 |
| Instrument Date | Jun 23, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $423.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2309 WILDBERRY CT, WILMINGTON, NC 28411-6129 |
| Name | Verified Name |
|---|---|
| Address | 644 E OCEAN HWY, HOLLY RIDGE, NC 28445-8710 |
| Document Number | 0005787047 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 5787-047 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
Source: Onslow County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Onslow County |
| Municipality | Holly Ridge Town |
| Unified School District | Onslow County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,412.00 (+2.99%) | $228,397 (+65.75%) Land $24,310 Building $204,087 | $228,397 (+65.75%) Land $24,310 Building $204,087 |
| 2025 | $1,371.00 | $137,795 (-) Land $16,830 Building $120,965 | $137,795 (-) Land $16,830 Building $120,965 |
| 2023 | $1,371.00 | $137,795 Land $16,830 Building $120,965 | $137,795 Land $16,830 Building $120,965 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 33 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 77 (1989–2018) |
| Claims Outside the SFHA | 6 of 77 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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 66% of the US · above 89% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 64 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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