Craven County property record for 104 Howard Cir, Ernul, NC 28527
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,215 sqft · built 2024 |
| Lot Size | 1.64 acres (71,656 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,980 (2026) |
| Deeds & Mortgages | Jan 2024 Mortgage Apr 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-043-2-006 |
| Primary APN | 2-043-2-006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,215 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 71,656 sqft (1.64 acres) |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 122260 |
|---|---|
| Street Address | 104 HOWARD CIR |
| City | ERNUL |
| State | NC |
| Zip | 28527-9788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 WESTGATE ESTATES |
| Legal Subdivision | WESTGATE ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 960102 |
104 Howard Cir is owned and occupied by an individual.
Source: Craven County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 HOWARD CIR, ERNUL, NC 28527-9788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 12, 2024 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Apr 17, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 104 HOWARD CIR, ERNUL, NC 28527-9788 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|---|
| Address | 68 VANDERGRIFT DR, JACKSONVILLE, NC 28540-7822 |
| Document Number | 003786/763 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | 3786/763 |
| Instrument | 10121534 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Apr 17, 2023 |
| Property Address | 104 HOWARD CIR, ERNUL, NC 28527-9788 |
| Document Number | 0003761/88 |
| Book / Page | 3761 / 88 |
| Map Reference | CAB H SL 84-H |
| Instrument Date | Apr 14, 2023 |
| Instrument | 10111379 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 HOWARD CIR, ERNUL, NC 28527-9788 |
| Name | Verified Name |
|---|---|
| Address | 68 VANDERGRIFT DR, JACKSONVILLE, NC 28540-7822 |
The 2026 property tax bill for 104 Howard Cir was $1,980.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,980.00 | $385,640 (-) Land $28,250 Building $357,390 | $385,640 (-) Land $28,250 Building $357,390 |
| 2025 | $1,980.00 | $385,640 Land $28,250 Building $357,390 | $385,640 Land $28,250 Building $357,390 |
| 2023 | $121.00 (+21%) | $24,500 (+53.13%) Land $24,500 | $24,500 Land $24,500 |
| 2022 | $100.00 | $16,000 Land $16,000 | |
| 2018 | $16,000 Land $16,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Howard Cir in Zone X, an area of minimal flood risk, though there have been 216 flood claims nearby since 1987.
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 File median of 119 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 119 in force |
| Nearby Flood Claims | 216 (1987–2022) |
| Claims Outside the SFHA | 7 of 216 |
| Most Recent Claim | Jan 2022 · other causes |
| 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.
Wildfire risk around 104 Howard Cir is moderate, ranking above 50% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | FIRST CRAVEN SANITARY DISTRICT serves 6,325 people · EPA ID NC0425040 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures