Carteret County property record for 103 Bowen St, Atlantic Beach, NC 28512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,112 sqft · built 1983 |
| Lot Size | 0.235 acres (10,237 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $2,877 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Dec 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 6375.16.84.9797000 |
| Primary APN | 6375.16.84.9797000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,112 sqft Heated Area |
| Gross Area | 2,498 sqft |
| 1st Floor Area | 708 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Contemporary |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,237 sqft (0.235 acres) |
| Lot Dimensions | 101 ft deep x 112 ft wide |
| View / Lot | Waterfront - Canal |
| Pool Area | 576 sqft |
|---|---|
| Deck Area | 97 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 44971 |
|---|---|
| Street Address | 103 BOWEN ST |
| City | ATLANTIC BEACH |
| State | NC |
| Zip | 28512-5200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L40 B16 ATLANTIC BEACH ISLES |
| Legal Subdivision | ATLANTIC BEACH ISLES |
| Legal Block | 84 |
| Legal Lot Number | 40 |
| Jurisdiction | CARTERET NC |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 971103 |
Source: Carteret County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 707 SLEEPY HOLLOW RD, CHAPEL HILL, NC 27517-9152 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Mar 30, 2026 | Intrafamily Transfer, Transfer |
| Dec 13, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARTERET NC |
| Recording Date | Mar 30, 2026 |
| Property Address | 103 BOWEN ST, ATLANTIC BEACH, NC 28512-5200 |
| Document Number | 0018810391 |
| Book / Page | 1881 / 391 |
| Map Reference | MB 11 PG 29 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 1881391 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 707 SLEEPY HOLLOW RD, CHAPEL HILL, NC 27517-9152 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTERET NC |
| Property Address | 103 BOWEN ST, ATLANTIC BEACH, NC 28512-5200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016570328 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 1657/328 |
| Instrument | 1657328 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Carteret County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Atlantic Beach Town |
| County | Carteret County |
| Unified School District | Carteret County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,235,447 (-) Land $595,500 Building $639,947 | $1,235,447 (-) Land $595,500 Building $639,947 | |
| 2025 | $2,877.00 (+33.26%) | $1,235,447 (+90.11%) Land $595,500 Building $639,947 | $1,235,447 (+90.11%) Land $595,500 Building $639,947 |
| 2023 | $649,867 Land $376,992 Building $272,875 | $649,867 Land $376,992 Building $272,875 | |
| 2022 | $2,159.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 526 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 962 units insured incl. 436 condo units |
| Nearby Flood Claims | 155 (1996–2024) |
| Claims Outside the SFHA | 5 of 155 |
| Most Recent Claim | Sep 2024 · Potential Tropical Cyclone Eight |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | TOWN OF ATLANTIC BEACH serves 6,380 people · EPA ID NC0416035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2021 E. coli resolved · Sep 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 447 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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