103 Palm Cir, Havelock, NC 28532 Property Records

Craven County property record for 103 Palm Cir, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 2026
Lot Size	0.505 acres (21,979 sqft)
Owner	Individual Name on File
Last Sale	$318,000 (Jun 2026)
Tax Bill	$169 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`5-011-A-073`

Property Details

APN / Parcel Number

Primary APN	`5-011-A-073`
Alternative APN	`3625075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,979 sqft (0.505 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	3625075
Street Address	103 PALM CIR
City	HAVELOCK
State	NC
Zip	28532-0670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 73 NEUSE POINT EAST S/D VII
Legal Subdivision	NEUSE POINT
Legal Lot Number	73
Jurisdiction	CRAVEN NC
Township / Civil Division	5
Census Block Group	3
Census Block	3002
Census Tract	961303

Owner

103 Palm Cir is owned and occupied by an individual who bought it in June 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	103 PALM CIR, HAVELOCK, NC 28532-0670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · VA Mortgage OCMBC INC
Feb 11, 2026	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Prior Sale	Feb 11, 2026 · Amount on File
Deed Document Number	202610157619
Deed Book / Page	3884 / 887
Prior Transfer Date	Jul 17, 2008
Prior Transfer Doc	02747/0320
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Jun 16, 2026
Property Address	103 PALM CIR, HAVELOCK, NC 28532-0670
Document Number	0010157619
Book / Page	3884 / 887
Instrument Date	May 21, 2026
Instrument	202610157619
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,236.00
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 PALM CIR, HAVELOCK, NC 28532-0670

Mortgage

Document Number	0010157620,
Date	Jun 16, 2026
Book Page	3884/890
Instrument	202610157620

Lender

Name	OCMBC INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CRAVEN NC
Recording Date	Feb 11, 2026
Property Address	103 PALM CIR, HAVELOCK, NC 28532-0670
Document Number	03868/1855
Book / Page	3868 / 1855
Map Reference	CAB H SL 92-C
Instrument Date	Jan 15, 2026
Instrument	10152194
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount on Record
Tax	$70.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1758, MOREHEAD CITY, NC 28557-1758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 BRANCH CANAL RD, NEW BERN, NC 28560-7622

Tax Assessment & Valuation

The 2026 property tax bill for 103 Palm Cir was $169.

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	$169.00	$226,280 (+565.53%) Land $40,000 Building $186,280	$226,280 (+565.53%) Land $40,000 Building $186,280
2025	$169.00	$34,000 Land $34,000	$34,000 Land $34,000
2023	$169.00 (-9.14%)	$34,000 (+14.29%) Land $34,000	$34,000 Land $34,000
2022	$186.00	$29,750 Land $29,750
2018			$29,750 Land $29,750

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 103 Palm Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	15 (2011–2024)
Claims Outside the SFHA	10 of 15
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Florence, Sep 2018 · 13 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

Wildfire risk around 103 Palm Cir is moderate, ranking above 52% 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 52% of the US · above 74% of North Carolina
Wildfire Likelihood	0.1% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Palm Cir

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