Onslow County property record for 97 River Bluff Dr, Jacksonville, NC 28540
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,612 sqft · built 2012 |
| Lot Size | 1.11 acres (48,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Mar 2025) |
| Tax Bill | $1,895 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 56C-62 |
| Primary APN | 56C-62 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,612 sqft Living Area |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 48,700 sqft (1.11 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 490019241 |
|---|---|
| Street Address | 97 RIVER BLUFF DR |
| City | JACKSONVILLE |
| State | NC |
| Zip | 28540-2979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | L121 P4 RIVER BLUFF |
| Legal Subdivision | RIVER BLUFF P4 |
| Legal Lot Number | 121 |
| Jurisdiction | ONSLOW NC |
| Township / Civil Division | RICHLANDS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 205 |
97 River Bluff Dr is owned and occupied by two individuals who bought it in March 2025.
Source: Onslow County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97 RIVER BLUFF DR, JACKSONVILLE, NC 28540-2979 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2022 | Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Dec 8, 2020 | Warranty Deed, Transfer SEATRUST MTG CO |
| Aug 8, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2025 · Amount on File |
| Deed Sale | Mar 19, 2025 · Amount on File |
| Prior Sale | Dec 8, 2020 · Amount on File |
| Deed Book / Page | 6321 / 212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONSLOW NC |
| Property Address | 97 RIVER BLUFF DR, JACKSONVILLE, NC 28540-2979 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 97 RIVER BLUFF DR, JACKSONVILLE, NC 28540-2979 |
| Document Number | 0058680224 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | 5868/224 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | NASHVILLE, TN 37203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Dec 8, 2020 |
| Property Address | 97 RIVER BLUFF DR, JACKSONVILLE, NC 28540-2979 |
| Document Number | 0053310863 |
| Book / Page | 005331 / 000863 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $529.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 RIVER BLUFF DR JACKSONVILLE NC 285402979, JACKSONVILLE, NC 28540-2979 |
| Document Number | 53310867 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 005331/000867 |
| Name | SEATRUST MTG CO |
|---|---|
| Address | WILMINGTON, NC 28405 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 7, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONSLOW NC |
| Recording Date | Aug 8, 2017 |
| Property Address | 97 RIVER BLUFF DR, JACKSONVILLE, NC 28540-2979 |
| Document Number | 0046560873 |
| Book / Page | 004656 / 000873 |
| Instrument Date | Jul 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $474.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97 RIVER BLUFF DR JACKSONVILLE NC 285402979, JACKSONVILLE, NC 28540-2979 |
| Document Number | 46560876 |
|---|---|
| Date | Aug 8, 2017 |
| Book Page | 004656/000876 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2047 |
The 2026 property tax bill for 97 River Bluff Dr was $1,895.
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 | $1,895.00 | $375,799 (+29.84%) Land $58,500 Building $317,299 | $375,799 (+29.84%) Land $58,500 Building $317,299 |
| 2025 | $1,895.00 | $289,431 Land $35,000 Building $254,431 | $289,431 Land $35,000 Building $254,431 |
| 2023 | $1,601.00 | $289,431 Land $35,000 Building $254,431 | $289,431 Land $35,000 Building $254,431 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 River Bluff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 78 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 78 in force |
| Nearby Flood Claims | 20 (2016–2022) |
| Claims Outside the SFHA | 1 of 20 |
| Most Recent Claim | Mar 2022 · rainfall accumulation |
| 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.
Wildfire risk around 97 River Bluff Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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