945 Gurganus Rd, Richlands, NC 28574 Property Records

Onslow County property record for 945 Gurganus Rd, Richlands, NC 28574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 2025
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,414 (2026)
Deeds & Mortgages	Mar 2025 Construction Loan Feb 2026 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`12-39`

Property Details

APN / Parcel Number

Primary APN	`12-39`
Alternative APNs	`0491747000` `12 39,U,U` `435129000` `491747000` `490028901` `020920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Aluminum/Vinyl
Lot Area	1,742,400 sqft (40 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	490028901
Street Address	945 GURGANUS RD
City	RICHLANDS
State	NC
Zip	28574-5245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SR 1201
Jurisdiction	ONSLOW NC
Township / Civil Division	RICHLANDS
Census Block Group	1
Census Block	1002
Census Tract	304

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	2 Individual Names on Record
Mailing Address	945 GURGANUS RD, RICHLANDS, NC 28574-5245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2025	Deed of Trust, Mortgage · Construction Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 11, 2026	Intrafamily Transfer, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 3, 2023	Warranty Deed, Transfer · Line of Credit AGCAROLINA FARM CREDIT ACA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2026
Deed Sale	Feb 11, 2026
Prior Sale	Jan 3, 2023 · Amount on Record
Deed Book / Page	6525 / 572
Prior Transfer Date	Jan 4, 2026
Prior Transfer Doc	0065250572
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONSLOW NC
Property Address	945 GURGANUS RD, RICHLANDS, NC 28574-5245
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 GURGANUS RD, RICHLANDS, NC 28574-5242

Mortgage

Document Number	0063130674
Date	Mar 6, 2025
Book Page	6313/674

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2054

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ONSLOW NC
Recording Date	Feb 11, 2026
Property Address	945 GURGANUS RD, RICHLANDS, NC 28574-5245
Document Number	0065250572
Book / Page	6525 / 572
Instrument Date	Feb 4, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

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	945 GURGANUS RD, RICHLANDS, NC 28574-5245

Mortgage

Document Number	0006525576
Date	Feb 11, 2026
Instrument	6525/576

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONSLOW NC
Recording Date	Jan 3, 2023
Property Address	HEWITT RD, RICHLANDS, NC 28574
Document Number	0058950154
Book / Page	5895 / 154
Instrument Date	Dec 28, 2022
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2395 PUU KALENA ST, WAHIAWA, HI 96786-7054

Mortgage

Document Number	0005895157
Date	Jan 3, 2023
Instrument	5895-157

Lender

Name	AGCAROLINA FARM CREDIT ACA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

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	$1,414.00 (+137.65%)	$424,295 (+366.62%) Land $187,210 Building $237,085	$424,295 (+366.62%) Land $187,210 Building $237,085
2025	$595.00	$90,930 (-) Land $90,930	$90,930 (-) Land $90,930
2023	$595.00	$90,930 Land $90,930	$90,930 Land $90,930

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 August 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.08% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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