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Single Family ResidenceResidential
$519,884$206 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $510,000 on Sep 4, 2025

312 RIVER OATS CT

HOLLY RIDGE, NC 28445
4
Beds
3
Baths
2,527 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
2025
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$520K
$452K low$587K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$510,000 · Sep 4, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$24,894
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$19,915
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.95%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$494,990
STATE EMPLOYEES CU · 6.02% 1 · recorded Sep 4, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$314 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$347,210 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$48,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$299,210
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$347,210
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$347,210

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
12
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.40%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOnslow
Lot (acres)The size of the land the home sits on, from county records.0.47
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Coastal Elementary SchoolA+
Elementary · Grades KG–5 · 2.6 mi
M
Dixon Middle SchoolB+
Middle · Grades 6–8 · 5.9 mi
H
Dixon High SchoolC+
High · Grades 9–12 · 7.4 mi

District: Onslow County Schools

Neighborhood · ZIP 28445These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.61%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.10,463
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.107 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,137
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,256
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.56 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

312 River Oats Ct measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 91% of homes in Onslow County
  • Costs less per square foot than 83% of homes in Holly Ridge 28445
  • Bigger than 89% of homes in Onslow County
  • Has a bigger lot than 81% of homes in Holly Ridge 28445
  • Among the newest homes in Holly Ridge 28445

What homes are worth in Holly Ridge 28445

Each bar is how many homes fall in that price range. The marker is this home.

This home
$127K$1.7M

This home is worth more than 43% of homes in Holly Ridge 28445.

How it measures up in Holly Ridge 28445

The dot is this home. The mark in the middle is the typical home in Holly Ridge 28445.

Estimated value$519,884
CheaperTypical $620,572Pricier

Pricier than 43% of homes nearby

Price per ft²$206
CheaperTypical $390Pricier

Pricier than 17% of homes nearby

Living area2,527 ft²
SmallerTypical 1,608 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.47 ac
SmallerTypical 0.19 acBigger

Bigger than 81% of homes nearby

Year built2025
OlderTypical 2005Newer

Newer than almost all homes nearby

How 312 River Oats Ct ranks against every home in each area.
MeasureThis homeHolly Ridge 28445Onslow County
Estimated valuepricier than$519,88443% of homes91% of homes
Price per ft²pricier than$20617% of homes76% of homes
Living areabigger than2,527 ft²87% of homes89% of homes
Lot sizebigger than0.47 ac81% of homes56% of homes
Year builtnewer than2025almost all homesalmost all homes

About 312 River Oats Ct

How much is 312 River Oats Ct, Holly Ridge, NC worth?

The TopHap Estimate for 312 River Oats Ct, Holly Ridge, NC is $519,884 as of Jun 23, 2026. The likely range is $452,299 to $587,468. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 312 River Oats Ct, Holly Ridge, NC last sell?

312 River Oats Ct, Holly Ridge, NC last sold on Sep 4, 2025 for $510,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 312 River Oats Ct, Holly Ridge, NC?

312 River Oats Ct, Holly Ridge, NC has 4 bedrooms, 3 bathrooms, 2,527 square feet of living space and a 0.47-acre lot.

When was 312 River Oats Ct, Holly Ridge, NC built?

312 River Oats Ct, Holly Ridge, NC was built in 2025, making it 1 years old. The building has 1 story.

What schools serve 312 River Oats Ct, Holly Ridge, NC?

312 River Oats Ct, Holly Ridge, NC is assigned to Coastal Elementary School (elementary), rated A+; Dixon Middle School (middle), rated B+; Dixon High School (high), rated C+. All sit in Onslow County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 312 River Oats Ct, Holly Ridge, NC compare to other homes in Holly Ridge 28445?

Among the 9,789 homes in Holly Ridge 28445, it is worth more than 43% of them ($519,884 against a typical $620,572), its price per square foot is higher than 17% of them ($206 against a typical $390), it is bigger than 87% of them (2,527 ft² against a typical 1,608 ft²), its lot is bigger than 81% of them (0.47 ac against a typical 0.19 ac) and it is newer than almost all of them (2025 against a typical 2005). Measured against all of Onslow County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 312 River Oats Ct, Holly Ridge, NC?

The 2025 property tax bill for 312 River Oats Ct, Holly Ridge, NC was $314. The county assessed it at $347,210.

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See this home in context

Open 312 River Oats Cton TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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