7087 7th St, Surf City (Holly Ridge), NC 28445 Property Records

Onslow County property record for 7087 7th St, Surf City, NC 28445

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,152 sqft · built 2005
Lot Size	0.17 acres (7,405 sqft)
Owner	Trust Name on Record
Last Sale	$1,112,500 (Apr 2019)
Tax Bill	$8,162 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Line of Credit + 2 more
Flood Zone	Zone VE (high risk)
APN	`800-253`

Property Details

APN / Parcel Number

Primary APN	`800-253`
Alternative APNs	`449515001` `449515000` `490014732` `027615`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,152 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
View / Lot	Waterfront - Canal

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	490014732
Street Address	7087 7TH ST
City	SURF CITY
State	NC
Zip	28445-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHS
Legal Description	L36 S4 B38 OLD SETTLERS BEACH
Legal Subdivision	OLD SETTLERS BEACH SEC 4
Legal Block	38
Legal Lot Number	36
Jurisdiction	ONSLOW NC
Township / Civil Division	STUMP SOUND
Census Block Group	1
Census Block	1062
Census Tract	403

Owner

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	Trust Name on Record
Mailing Address	7087 7TH ST, SURF CITY, NC 28445-8646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Apr 2, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Apr 26, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Prior Sale	Aug 22, 2016 · Amount on Record
Deed Book / Page	4933 / 733
Prior Transfer Date	Aug 18, 2016
Prior Transfer Doc	0045000155
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	7087 7TH ST, SURF CITY, NC 28445-8646
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054180359
Date	Mar 24, 2021
Book Page	5418/359

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	7087 7TH ST, SURF CITY, NC 28445-8646
Document Number	0051480156
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7087 7TH ST SURF CITY NC 284458646, SURF CITY, NC 28445-8646

Mortgage

Document Number	0051480156
Date	Apr 17, 2020
Book Page	005148/000156

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	7087 7TH ST, SURF CITY, NC 28445-8646
Document Number	0050790940
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7087 7TH ST SURF CITY NC 284458646, SURF CITY, NC 28445-8646

Mortgage

Document Number	0050790940
Date	Dec 27, 2019
Book Page	005079/000940

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 26, 2029

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Apr 26, 2019
Property Address	7087 7TH ST, SURF CITY, NC 28445-8646
Document Number	0049330733
Book / Page	4933 / 733
Map Reference	MB 11 PG 4
Instrument Date	Apr 3, 2019
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,225.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2348 DEEP RUN CHURCH RD, DEEP RUN, NC 28525-9785

Mortgage

Document Number	0004933736
Date	Apr 26, 2019
Instrument	4933/736

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

Source: Onslow County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Onslow County
Municipality	Surf City Town
Unified School District	Onslow County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,162.00	$1,784,012 (+43.15%) Land $500,000 Building $1,284,012	$1,784,012 (+43.15%) Land $500,000 Building $1,284,012
2025	$8,162.00	$1,246,215 (-) Land $315,000 Building $931,215	$1,246,215 (-) Land $315,000 Building $931,215
2023	$8,162.00	$1,246,215 Land $315,000 Building $931,215	$1,246,215 Land $315,000 Building $931,215

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 1,239 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,682 units insured incl. 443 condo units
Nearby Flood Claims	2,537 (1983–2025)
Claims Outside the SFHA	21 of 2,537
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 420 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 545 claims Hurricane Fran, Oct 1996 · 671 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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