Craven County property record for 107 Howard Cir, Ernul, NC 28527
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,617 sqft · built 2007 |
| Lot Size | 0.753 acres (32,793 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,000 (Feb 2019) |
| Tax Bill | $1,717 (2025) |
| Deeds & Mortgages | Feb 2019 Refinance Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-043-2-004 |
| Primary APN | 2-043-2-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,617 sqft Living Area |
| 1st Floor Area | 2,617 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 32,793 sqft (0.753 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 124089 |
|---|---|
| Street Address | 107 HOWARD CIR |
| City | ERNUL |
| State | NC |
| Zip | 28527-9788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 WESTGATE ESTATES |
| Legal Subdivision | WESTGATE ESTATES |
| Legal Lot Number | 4 |
| Jurisdiction | CRAVEN NC |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 960102 |
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 | 107 HOWARD CIR, ERNUL, NC 28527-9788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BRANCH BANKING AND TRUST CO |
| Feb 12, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage BRANCH BANKING AND TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2019 · Amount on Record |
| Deed Sale | Feb 12, 2019 · Amount on Record |
| Deed Document Number | 201910033619 |
| Deed Book / Page | 3560 / 2056 |
| Prior Transfer Date | Apr 6, 2012 |
| Prior Transfer Doc | 3081/0336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAVEN NC |
| Property Address | 107 HOWARD CIR, ERNUL, NC 28527-9788 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3560/2059 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 3560/2059 |
| Instrument | 10033620 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAVEN NC |
| Recording Date | Feb 12, 2019 |
| Property Address | 107 HOWARD CIR, ERNUL, NC 28527-9788 |
| Document Number | 3560/2056 |
| Book / Page | 3560 / 2056 |
| Instrument Date | Jan 29, 2019 |
| Instrument | 10033619 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 107 HOWARD CIR, ERNUL, NC 28527-9788 |
| Document Number | 03560/2059 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 3560/2059 |
| Instrument | 10033620 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2034 |
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 | $332,630 (-) Land $25,000 Building $307,630 | $332,630 (-) Land $25,000 Building $307,630 | |
| 2025 | $1,717.00 | $332,630 (-) Land $25,000 Building $307,630 | $332,630 (-) Land $25,000 Building $307,630 |
| 2024 | $1,717.00 (+0.7%) | ||
| 2023 | $1,705.00 (+5.05%) | $332,630 (+32.99%) Land $25,000 Building $307,630 | $332,630 (+32.99%) Land $25,000 Building $307,630 |
| 2022 | $1,623.00 | $250,120 Land $15,000 Building $235,120 | |
| 2018 | $250,120 Land $15,000 Building $235,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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