103 Apple Dr, Havelock, NC 28532 Property Records

Craven County property record for 103 Apple Dr, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,658 sqft · built 2012
Lot Size	0.344 acres (15,019 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Sep 2020)
Tax Bill	$1,229 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5-003-1-002`

Property Details

APN / Parcel Number

Primary APN	`5-003-1-002`
Alternative APN	`130729`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,658 sqft Living Area
1st Floor Area	1,658 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2012
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,019 sqft (0.344 acres)
Garage Type	Attached
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	130729
Old Parcel Number	5-003-1-002
Street Address	103 APPLE DR
City	HAVELOCK
State	NC
Zip	28532-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 306 ESTATES
Legal Subdivision	306 ESTATES
Legal Lot Number	2 306
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	2
Census Block	2019
Census Tract	961303

Owner

Source: Craven County records, as of October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	103 APPLE DR, HAVELOCK, NC 28532-8005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Aug 31, 2018	Deed of Trust, Mortgage NAVY FEDERAL CREDIT UNION
Sep 14, 2020	Warranty Deed, Transfer · VA Mortgage NFM INC
Aug 31, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Prior Sale	Aug 31, 2018 · Amount on Record
Deed Document Number	0003630643
Deed Book / Page	3630 / 643
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 APPLE DR, HAVELOCK, NC 28532-8005
Transaction Type	Mortgage
Record Updated	Mar 4, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03789/1683
Date	Feb 22, 2024
Book Page	3789/1683
Instrument	10122910

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 APPLE DR, HAVELOCK, NC 28532-8005
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003546/0000001927
Date	Aug 31, 2018
Book Page	0000003546/0000001927
Instrument	000010027201

Lender

Name	NAVY FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Sep 14, 2020
Property Address	103 APPLE DR, HAVELOCK, NC 28532-8005
Document Number	3630/643
Book / Page	3630 / 643
Map Reference	CAB H SL 196-F
Instrument Date	Sep 4, 2020
Instrument	10061066
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$378.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	412 PALISADES WAY, 412, NEW BERN, NC 28560-6585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 APPLE DR, HAVELOCK, NC 28532-8005

Mortgage

Document Number	3630646
Date	Sep 14, 2020
Instrument	3630/646

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Aug 31, 2018
Property Address	103 APPLE DR, HAVELOCK, NC 28532-8005
Document Number	3546/1924
Book / Page	3546 / 1924
Instrument Date	Aug 21, 2018
Instrument	000010027200
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 APPLE DR, HAVELOCK, NC 28532-8005

Tax Assessment & Valuation

Source: Craven County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,229.00 (+0.99%)	$232,090 (-) Land $40,000 Building $192,090	$232,090 (-) Land $40,000 Building $192,090
2023	$1,217.00 (+10.94%)	$232,090 (+39.94%) Land $40,000 Building $192,090	$232,090 (+39.94%) Land $40,000 Building $192,090
2022	$1,097.00	$165,850 Land $33,000 Building $132,850
2018			$165,850 Land $33,000 Building $132,850

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 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 Record median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	34 (1992–2018)
Claims Outside the SFHA	13 of 34
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 16 claims Hurricane Irene, Aug 2011 · 10 claims Hurricane Isabel, Sep 2003 · 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

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

Wildfire Risk	High above 72% of the US · above 94% of North Carolina
Wildfire Likelihood	0.2% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Apple Dr

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