104 Smith Cir, Havelock, NC 28532 Property Records

Craven County property record for 104 Smith Cir, Havelock, NC 28532

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,259 sqft · built 1974
Lot Size	0.313 acres (13,646 sqft)
Owner	Individual Name on File
Tax Bill	$858 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6-220-A-SCT1-034`

Property Details

APN / Parcel Number

Primary APN	`6-220-A-SCT1-034`
Alternative APN	`102166`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,259 sqft Living Area
1st Floor Area	1,259 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,646 sqft (0.313 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	102166
Street Address	104 SMITH CIR
City	HAVELOCK
State	NC
Zip	28532-2030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	34 SEC 1 CHERRY S/D
Legal Subdivision	CHERRY
Jurisdiction	CRAVEN NC
Township / Civil Division	6
Census Block Group	2
Census Block	2009
Census Tract	961302

Owner

104 Smith Cir is owned and occupied by an individual who acquired it in September 1998.

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

Owner of Record	Individual Name on File
Mailing Address	104 SMITH CIR, HAVELOCK, NC 28532-2030
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 1998
Deed Sale	Sep 30, 1998
Deed Book / Page	1653 / 503
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CRAVEN NC
Property Address	104 SMITH CIR, HAVELOCK, NC 28532-2030
Transaction Type	Mortgage
Record Updated	Mar 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SMITH CIR, HAVELOCK, NC 28532-2030

Mortgage

Document Number	3654/325
Date	Feb 15, 2021
Book Page	3654/325
Instrument	10069726

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	31 Months
Due	Sep 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 104 Smith Cir was $858.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$142,260 (-) Land $40,000 Building $102,260	$142,260 (-) Land $40,000 Building $102,260
2025	$858.00	$142,260 Land $40,000 Building $102,260	$142,260 Land $40,000 Building $102,260
2023	$830.00 (+17.56%)	$142,260 (+21%) Land $40,000 Building $102,260	$142,260 Land $40,000 Building $102,260
2022	$706.00	$117,570 Land $35,000 Building $82,570
2018			$117,570 Land $35,000 Building $82,570

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

Flood

FEMA maps place 104 Smith Cir in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1998.

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 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	34 (1998–2021)
Claims Outside the SFHA	34 of 34
Most Recent Claim	Jun 2021 · other causes
Claims by Event	Hurricane Florence, Sep 2018 · 20 claims Severe Storms, Flooding, And Straight-line Winds, Sep 2010 · 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

Wildfire risk around 104 Smith Cir is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HAVELOCK WATER SYSTEM serves 14,925 people · EPA ID NC0425015
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 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
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20