Craven County property record for 106 Karol Dr, Havelock, NC 28532
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,326 sqft · built 1975 |
| Lot Size | 0.371 acres (16,175 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,847 (2026) |
| Deeds & Mortgages | Dec 2020 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-101-120 |
| Primary APN | 6-101-120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,175 sqft (0.371 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 36502 |
|---|---|
| Street Address | 106 KAROL DR |
| City | HAVELOCK |
| State | NC |
| Zip | 28532-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 120 TRYON PARK SEC 3 |
| Legal Subdivision | TRYON PARK |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 961301 |
106 Karol Dr is owned and occupied by an individual who acquired it in April 1987.
Source: Craven County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 KAROL DR, HAVELOCK, NC 28532-2409 |
| 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 |
|---|---|
| Dec 31, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 25, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 1987 |
| Deed Sale | Apr 17, 1987 |
| Deed Book / Page | 1152 / 198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 106 KAROL DR, HAVELOCK, NC 28532-2409 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 106 KAROL DR, HAVELOCK, NC 28532-2409 |
| Document Number | 3647/672 |
|---|---|
| Date | Dec 31, 2020 |
| Book Page | 3647/672 |
| Instrument | 10067151 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 106 KAROL DR, HAVELOCK, NC 28532-2409 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000003533/0000001237 |
|---|---|
| Date | Apr 25, 2018 |
| Book Page | 0000003533/0000001237 |
| Instrument | 000010021489 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 177 Months |
| Due | Jan 1, 2033 |
The 2026 property tax bill for 106 Karol Dr was $1,847, up 2.4% from the year before.
Source: Craven County assessment roll, as of October 20, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Craven County |
| Municipality | Havelock City |
| Unified School District | Craven County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,847.00 (+2.44%) | $148,610 (-) Land $31,500 Building $117,110 | $148,610 (-) Land $31,500 Building $117,110 |
| 2025 | $1,803.00 | $148,610 Land $31,500 Building $117,110 | $148,610 Land $31,500 Building $117,110 |
| 2023 | $1,731.00 (+22.85%) | $148,610 (+26.61%) Land $31,500 Building $117,110 | $148,610 Land $31,500 Building $117,110 |
| 2022 | $1,409.00 | $117,380 Land $27,000 Building $90,380 | |
| 2018 | $117,380 Land $27,000 Building $90,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Karol Dr in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1995.
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 38 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 29 (1995–2019) |
| Claims Outside the SFHA | 24 of 29 |
| Most Recent Claim | Sep 2019 · Hurricane Dorian |
| 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 106 Karol Dr is moderate, ranking above 54% 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 54% of the US · above 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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