Craven County property record for 1016 Locust Ct, Havelock, NC 28532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,604 sqft · built 2004 |
| Lot Size | 0.281 acres (12,220 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,000 (Sep 2020) |
| Tax Bill | $2,624 (2026) |
| Deeds & Mortgages | Apr 2018 Mortgage Jan 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-220-T-111 |
| Primary APN | 6-220-T-111 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| 1st Floor Area | 1,604 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,220 sqft (0.281 acres) |
| Lot Dimensions | 138 ft deep x 79.4 ft wide |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 130937 |
|---|---|
| Street Address | 1016 LOCUST CT |
| City | HAVELOCK |
| State | NC |
| Zip | 28532-3234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR12 |
| Legal Description | LOT 111 SOUTHERN TERRACE SCT 4 PT B |
| Legal Subdivision | SOUTHERN TERRACE |
| Legal Lot Number | 111 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 961302 |
1016 Locust Ct is owned by two individuals who bought it in September 2020.
Source: Craven County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8887 EAGLE ROCK LN, SPRINGFIELD, VA 22153-1720 |
| 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 |
|---|---|
| Apr 23, 2018 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER |
| Jan 30, 2019 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Oct 30, 2019 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Sep 30, 2020 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Apr 23, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2020 · Amount on File |
| Deed Sale | Sep 30, 2020 · Amount on File |
| Prior Sale | Apr 23, 2018 · Amount on File |
| Deed Document Number | 202010062128 |
| Deed Book / Page | 3633 / 560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003533/0000000693 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 0000003533/0000000693 |
| Instrument | 000010021363 |
| Name | MORTGAGE RESEARCH CENTER |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3559/1394 |
|---|---|
| Date | Jan 30, 2019 |
| Book Page | 3559/1394 |
| Instrument | 10033052 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3589/2014 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 3589/2014 |
| Instrument | 10045593 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Sep 30, 2020 |
| Property Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
| Document Number | 3633/560 |
| Book / Page | 3633 / 560 |
| Map Reference | CAB G SL 187F&G |
| Instrument Date | Sep 14, 2020 |
| Instrument | 10062128 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3001 W MAIN ST APT 334, 3001, CABOT, AR 72023-5146 |
| Name | Verified Name |
|---|---|
| Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
| Document Number | 3633563 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 3633/563 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Apr 23, 2018 |
| Property Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
| Document Number | 3533/690 |
| Book / Page | 3533 / 690 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 000010021362 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1016 LOCUST CT, HAVELOCK, NC 28532-3234 |
The 2026 property tax bill for 1016 Locust Ct was $2,624, up 2.5% from the year before.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | Havelock City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,624.00 (+2.5%) | $213,600 (-) Land $40,000 Building $173,600 | $213,600 (-) Land $40,000 Building $173,600 |
| 2025 | $2,560.00 | $213,600 Land $40,000 Building $173,600 | $213,600 Land $40,000 Building $173,600 |
| 2023 | $2,462.00 (+30.47%) | $213,600 (+34.43%) Land $40,000 Building $173,600 | $213,600 Land $40,000 Building $173,600 |
| 2022 | $1,887.00 | $158,890 Land $32,000 Building $126,890 | |
| 2018 | $158,890 Land $32,000 Building $126,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1016 Locust Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2006.
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 29 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 29 in force |
| Nearby Flood Claims | 5 (2006–2018) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| 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 1016 Locust Ct is moderate, ranking above 65% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 87% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 135 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 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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