103 Gibbs Rd, New Bern, NC 28560 Property Records

Craven County property record for 103 Gibbs Rd, New Bern, NC 28560

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,040 sqft · built 2006
Lot Size	0.248 acres (10,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (May 2026)
Tax Bill	$1,302 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Jul 2009 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`7-036-11000`

Property Details

APN / Parcel Number

Primary APN	`7-036-11000`
Alternative APN	`131518`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,806 sqft (0.248 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	131518
Street Address	103 GIBBS RD
City	NEW BERN
State	NC
Zip	28560-7900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT 153 RIVERVIEW
Legal Subdivision	RIVERVIEW HEIGHTS
Jurisdiction	CRAVEN NC
Township / Civil Division	7
Census Block Group	1
Census Block	1002
Census Tract	961002

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2018	Deed of Trust, Mortgage SOUND BANK
Jul 20, 2009	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Feb 4, 2009	Deed of Trust, Mortgage COOPERATIVE BANK
Sep 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Sep 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Nov 17, 2020	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Nov 17, 2020 · Amount on Record
Deed Document Number	202610156198
Deed Book / Page	3880 / 619
Prior Transfer Date	Apr 11, 2006
Prior Transfer Doc	2439/0821
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003527/0000000371
Date	Feb 15, 2018
Book Page	0000003527/0000000371
Instrument	000010018641

Lender

Name	SOUND BANK
Type	Bank

Agreement

Amount	Amount Recorded

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02842/0530
Date	Jul 20, 2009
Book Page	2842/0530

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02788/0001
Date	Feb 4, 2009
Book Page	2788/0001

Lender

Name	COOPERATIVE BANK
Type	Bank
Address	WILMINGTON, NC 28401

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2039

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003586/561
Date	Sep 30, 2019
Book Page	3586/561
Instrument	10044087

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	May 14, 2026
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Document Number	0010156198
Book / Page	3880 / 619
Instrument Date	May 6, 2026
Instrument	2026.10156198
Transaction Type	Transfer
Record Updated	May 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,760.00
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 GIBBS RD, NEW BERN, NC 28560-7900

Mortgage

Document Number	0010156199,
Date	May 14, 2026
Book Page	3880/621
Instrument	2026.10156199

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3586/561
Date	Sep 30, 2019
Book Page	3586/561
Instrument	10044087

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Nov 17, 2020
Property Address	103 GIBBS RD, NEW BERN, NC 28560-7900
Document Number	3640/1095
Book / Page	3640 / 1095
Map Reference	MB 8 PG 24
Instrument Date	Oct 30, 2020
Instrument	10064731
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 GIBBS RD, 101, NEW BERN, NC 28560-7939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GIBBS RD, NEW BERN, NC 28560-7900

Mortgage

Document Number	36401098
Date	Nov 17, 2020
Instrument	3640/1098

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

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
2026	$1,302.00	$264,650 (-) Land $40,000 Building $224,650	$264,650 (-) Land $40,000 Building $224,650
2025	$1,302.00 (+0.93%)	$264,650 (-) Land $40,000 Building $224,650	$264,650 (-) Land $40,000 Building $224,650
2023	$1,290.00 (+1.1%)	$264,650 (+27.22%) Land $40,000 Building $224,650	$264,650 (+27.22%) Land $40,000 Building $224,650
2022	$1,276.00	$208,020 Land $40,000 Building $168,020
2018			$208,020 Land $40,000 Building $168,020

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	12 (1996–2018)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 6 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	FAIRFIELD HARBOUR private · serves 5,514 people · EPA ID NC0425132
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	CRAVEN COUNTY WATER SYSTEM
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Gibbs Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures