103 E Saddle Ln, Havelock, NC 28532 Property Records

Craven County property record for 103 E Saddle Ln, Havelock, NC 28532 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 2019
Lot Size	0.364 acres (15,858 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Apr 2020)
Tax Bill	$2,470 (2025)
Deeds & Mortgages	Mar 2024 Reverse Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6-218-1-SCT2-007`

Property Details

APN / Parcel Number

Primary APN	`6-218-1-SCT2-007`
Alternative APN	`129091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,493 sqft Living Area
1st Floor Area	1,576 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,858 sqft (0.364 acres)
Garage Type	Attached
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	129091
Old Parcel Number	6-218-1-SCT2007
Street Address	103 E SADDLE LN
City	HAVELOCK
State	NC
Zip	28532-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 MARMANN TERR S-2
Legal Subdivision	MARMANN TERRACE SEC 02
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	1
Census Block	1010
Census Tract	961301

Owner

Source: Craven County records · APN 6-218-1-SCT2-007

Assessment roll updated January 1, 2025 · Last verified October 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 File
Mailing Address	103 E SADDLE LN, HAVELOCK, NC 28532-2938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Deed of Trust, Mortgage · Reverse Mortgage NAVY FCU
Sep 14, 2017	Deed of Trust, Mortgage UNION BANK
Apr 17, 2020	Warranty Deed, Transfer · FHA Mortgage NFM INC
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNION BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 17, 2020 · Amount on Record
Deed Sale	Apr 17, 2020 · Amount on Record
Prior Sale	Apr 18, 2013
Deed Document Number	0036091222
Deed Book / Page	3609 / 1222
Record Updated	Jun 08, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 E SADDLE LN, HAVELOCK, NC 28532-2938
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E SADDIE LN, HAVELOCK, NC 28532-2938

Mortgage

Document Number	003793/174
Date	Mar 25, 2024
Book Page	3793/174
Instrument	10124175

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Apr 01, 2064

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 E SADDLE LN, HAVELOCK, NC 28532-2938
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3513/1331
Date	Sep 14, 2017
Book Page	3513/1331

Lender

Name	UNION BANK
Type	Bank
Address	NEW BERN, NC 28562

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 14, 2022

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Apr 17, 2020
Property Address	103 E SADDLE LN, HAVELOCK, NC 28532-2938
Document Number	3609/1222
Book / Page	3609 / 1222
Map Reference	CAB B SL 110
Instrument Date	Apr 15, 2020
Instrument	10053339
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$364.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 12364, NEW BERN, NC 28561-2364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E SADDLE LN, HAVELOCK, NC 28532-2938

Mortgage

Document Number	36091225
Date	Apr 17, 2020
Instrument	3609/1225

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 E SADDLE LN, HAVELOCK, NC 28532-2938
Transaction Type	Mortgage
Record Updated	Sep 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3582/214
Date	Aug 23, 2019
Book Page	3582/214
Instrument	10042378

Lender

Name	UNION BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Craven County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,470.00 (+3.96%)	$205,940 (-) Land $40,000 Building $165,940	$205,940 (-) Land $40,000 Building $165,940
2023	$2,376.00 (+28.71%)	$205,940 (+32.54%) Land $40,000 Building $165,940	$205,940 (+32.54%) Land $40,000 Building $165,940
2022	$1,846.00	$155,380 Land $40,000 Building $115,380
2018			$155,380 Land $40,000 Building $115,380

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Craven County (37049C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370499613011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	14 (1999–2018)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Sep 2018, other causes, Hurricane Florence
Claims By Storm	Hurricane Florence, Sep 2018 · 10 claims

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	About 1 in 1,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 127 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Metronet Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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