1015 Spot Cir, New Bern, NC 28562 Property Records

Craven County property record for 1015 Spot Cir, New Bern, NC 28562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,738 sqft · built 2020
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on File
Last Sale	$247,000 (Aug 2020)
Tax Bill	$3,104 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7-106-2-174`

Property Details

APN / Parcel Number

Primary APN	`7-106-2-174`
Alternative APN	`130439`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	130439
Street Address	1015 SPOT CIR
City	NEW BERN
State	NC
Zip	28562-1203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 174 BENDIGO BAY PH I SCT A AT BLUEWATER RISE
Legal Subdivision	BENDIGO BAY
Legal Phase	I
Legal Lot Number	174
Jurisdiction	CRAVEN NC
Township / Civil Division	7
Census Block Group	3
Census Block	3022
Census Tract	961004

Owner

1015 Spot Cir is owned and occupied by two individuals who bought it in August 2020.

Source: Craven County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1015 SPOT CIR, NEW BERN, NC 28562-1203
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CREDIT UNION
Aug 19, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on File
Deed Sale	Aug 19, 2020 · Amount on File
Deed Document Number	202010059663
Deed Book / Page	3626 / 1645
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Recording Date	Jul 17, 2026
Property Address	1015 SPOT CIR, NEW BERN, NC 28562-1203
Document Number	0010159052
Book / Page	3888 / 841
Instrument Date	Jul 13, 2026
Instrument	202610159052
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 SPOT CIR, NEW BERN, NC 28562-1203

Mortgage

Document Number	0010159052,
Date	Jul 17, 2026
Book Page	3888/841
Instrument	202610159052

Lender

Name	QUORUM FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	7.63%
Max Rate	-1%

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Aug 19, 2020
Property Address	1015 SPOT CIR, NEW BERN, NC 28562-1203
Document Number	3626/1645
Book / Page	3626 / 1645
Map Reference	CAB I SL 143E-F
Instrument Date	Aug 3, 2020
Instrument	10059663
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7122, JACKSONVILLE, NC 28540-2122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 SPOT CIR, NEW BERN, NC 28562-1203

Mortgage

Document Number	36261648
Date	Aug 19, 2020
Instrument	3626/1648

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1015 Spot Cir was $3,104, up 3.5% from the year before.

Source: Craven County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Craven County
Municipality	New Bern City
Unified School District	Craven County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,104.00 (+3.5%)	$350,710 (-) Land $45,000 Building $305,710	$350,710 (-) Land $45,000 Building $305,710
2025	$2,999.00	$350,710 Land $45,000 Building $305,710	$350,710 Land $45,000 Building $305,710
2023	$2,952.00 (+19.95%)	$350,710 (+52.18%) Land $45,000 Building $305,710	$350,710 Land $45,000 Building $305,710
2022	$2,461.00	$230,450 Land $35,000 Building $195,450
2018			$230,450 Land $35,000 Building $195,450

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

Flood

FEMA maps place 1015 Spot Cir in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective January 17, 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 File median of 72 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	18 (2011–2018)
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 16 claims Hurricane Irene, Aug 2011 · 2 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

Wildfire risk around 1015 Spot Cir is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 64% 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	CRAVEN COUNTY WATER SYSTEM serves 37,848 people · EPA ID NC0425055
Water Source	Groundwater
Last State Inspection	Oct 2024
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	2 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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spot Cir

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